Short term health insurance is a medical insurance option ideal for people in transition. As the name implies, this policy is a temporary solution. Normally, short-term health insurance is purchased for a short period of time. This allows the policy to be dropped quickly.

Short term health insurance generally covers only catastrophic health problems (major health problems). People between jobs, recent college graduates, and part-time and temporary employees are among the most likely consumers of short-term health insurance. Short term health policies are normally sold to people under the age of 65.

A short term health insurance policy is generally included in the "indemnity" plan. This gives you the freedom to choose any doctor or specialist you wish. The policy covers surgery, hospital care, emergency services, diagnostic tests, prescription drugs, and follow-up office visits. Short term health insurance has several sub-limits and special conditions. Some offer limited mental health care in their short term health policies. Due to its low cost, the policy does not finance routine preventative care like physical exams, immunizations, and PAP tests.

The important point to remember when buying a short-term health plan is that this affordable plan?s coverage does not include any pre-existing conditions. This limitation is one of the reasons that the monthly costs are so low for this sort of insurance coverage. A pre-existing condition is a health condition or symptom that you had during the three years prior to the start of coverage.

In recent years, sales of short term health insurance plans have grown in popularity because of their low monthly cost, high coverage limits, and fast purchase process. Today, many insurance companies offer short term health policies throughout the U.S. This is the only type of coverage that possesses the shortest application in the health insurance business. Short term health insurance policies are available in both individual short term health insurance and group short term health insurance. Many insurance companies now offer credit card payment schemes. There are a lot of limitations and exclusions to short term health insurance policies. So before you buy a policy, take time to study those limitations thoroughly.