Short Term and Temporary Health Insurance

When one is looking for health insurance choices, there are a vast variety to choose from. Most people choose the health insurance from their employer or their spouse's employer. But, there are many unique lifestyle situations people face and that requires unique health insurance choices. Short term or temporary health insurance may be an option for some.
What is Short Term or Temporary Health Insurance?
Short term or temporary health insurance is health insurance that just lasts for a certain period of time, typically 6-12 months but sometimes policies are as short as 30 days. Short term health insurance works the same as long term health insurance. Depending on the policy, you will get a health insurance card and will have a deductible and limits on services. Although short term health insurance works the same as long term health insurance, one needs to realize that there is a major difference in coverage.
Coverage Limitations of Short Term or Temporary Health Insurance
Short term health insurance does have coverage limitations. It generally does not cover pre-existing conditions. A pre-existing condition is a medical problem that was documented prior to getting your health insurance. Also, is usually does not cover preventative care such as physicals. It is made to pretty much cover a major health problem. It is important to also note that when one chooses a short term health insurance policy they will make themselves ineligible for guaranteed insurance coverage. Guaranteed insurance coverage is health insurance that is guaranteed, regardless of your health. Of course, guaranteed insurance is expensive, but if you for some reason would want to consider a guaranteed health insurance policy then you would not want to get a short term health insurance policy.
So, Why Would Someone Want Short Term Health Insurance?
It may not be for everyone, but short term health insurance is a good option for some. Students, temporary workers, and people in-between jobs may benefit from a short term insurance policy. They are much easier to qualify for than a long term health insurance policy and are generally much cheaper. For someone who is in good health and is just looking for a inexpensive way to carry health accident and illness coverage for a temporary period of time, short term insurance may be a good choice.