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What Is Short Term Health Insurance, Anyway?
By Arturo R
Short term health insurance plans are provisional health insurance policies, which give flexible, low cost coverage for almost all injuries and diseases, basically, a short term health insurance plan is a policy that is a low cost alternative to full insurance plans, yet affordable and through which you can temporarily insure your family.
Before making any decision to where to get a short term health insurance policy, you have to research well what you are getting for your money, with several plans and coverage to choose from it really comes down to each individual needs.
Generally, short term health insurance plans finish after the specific policy period, though most health insurance policies offer coverage from 30 days to 6 or 12 months, you can find a policy on this health insurance that will cover you for up to 36 months.
Although short term health insurance is not for everyone (Most of the cases they are only available for people under the age of 65), those who have qualified for this kind of insurance have found the many benefits that it can bring them, these plans are designed for healthy individuals and families, who do not require coverage for preexisting illnesses, an affordable short term health insurance policy is noted for its limited coverage, due to its low cost, sometimes they do not support dental or optical care, and preventative care like physical exams, immunizations etc.
There are two basic types of short term health insurance plans, the Indemnity Plan and the Managed Care Plan, both got their pros and cons, the Indemnity Plan gives you the ability to choose whichever doctor or hospital you wish but the cons are the high cost of these plans. In The Managed Care Plan, though cheaper than the Indemnity plans, they tend to be more restrictive, for example you only may go to doctors and hospitals inside the network. Free
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Blue Cross Blue Shield Review: rip off
Reviewed by agreatcutter from Summerfield on July 8, 2008. Recommend: No.
Aetna Review: Costly but worth it
Reviewed by momof4 from Texas on June 25, 2008. Recommend: Yes.
PacifiCare Review: Can't wait to switch
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Golden Rule Review: Golden Rule pays for Nothing
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Atlantis Health Plan Review: Proceed With Caution!
Reviewed by PW from Rockland County on June 19, 2008. Recommend: No.
Aetna Review: Lost Appointment
Reviewed by R from Bay Area on June 3, 2008. Recommend: No.
Article brought to YOU by ArticlesOn.com, where you'll find Articles On Everything! Visit http://articleson.com to get more free content. For more tips about Health Insurance?, feel free to visit us at: www.health-insurance-land.info
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CIGNA Review: Worst I have Ever Had...and I have Had A Lot
Reviewed by S Stacy from Springfield, Ohio on October 4, 2008. Recommend: No.
Aetna Review: expensive
Reviewed by tom from miami on September 20, 2008. Recommend: No.
UNICARE Review: Premiums increase every 6 months!
Reviewed by Nancy from Texas on September 16, 2008. Recommend: No.
American Republic Review: Covered Wellness Visits Denied
Reviewed by Jay from Cleveland, OH on September 16, 2008. Recommend: No.
Blue Cross Blue Shield Review: Read the fine print
Reviewed by Gamma from Lucedale, Ms on September 15, 2008. Recommend: No.
Blue Cross Blue Shield Review: Premium Disaster
Reviewed by Littledebq from Cambridge, NY on September 9, 2008. Recommend: No.
UNICARE Review: Beware of Unicare!!!
Reviewed by James P. Ullery from Crest Hill,Illinois on August 29, 2008. Recommend: No.
Blue Cross Blue Shield Review: Why pay for Insurance?
Reviewed by Stephanie K. from Marina on July 31, 2008. Recommend: No.
Atlantis Health Plan Review: People I can talk to get what I need done
Reviewed by Marie from NYC on July 22, 2008. Recommend: Yes.
Blue Cross Blue Shield Review: rip off
Reviewed by agreatcutter from Summerfield on July 8, 2008. Recommend: No.
Aetna Review: Costly but worth it
Reviewed by momof4 from Texas on June 25, 2008. Recommend: Yes.
PacifiCare Review: Can't wait to switch
Reviewed by momof4 from saginaw on June 25, 2008. Recommend: No.
Golden Rule Review: Golden Rule pays for Nothing
Reviewed by Michael Bietsch from Nevada, MO on June 24, 2008. Recommend: No.
Atlantis Health Plan Review: Proceed With Caution!
Reviewed by PW from Rockland County on June 19, 2008. Recommend: No.
Aetna Review: Lost Appointment
Reviewed by R from Bay Area on June 3, 2008. Recommend: No.
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