Short Term Health Insurance
Information and terms
Short-term health insurance or "Short Term Medical" refers to health insurance plans with a limited duration, typically several months to a year. These plans are geared toward people who need temporary medical insurance to bridge the gap between longer term plans.
How do I know if Short Term health insurance is a good choice for me?
Short Term medical insurance, also called Temporary health insurance or Term health insurance, can provide a temporary solution to help fill gaps in coverage. Consider Short Term if you’re:
Waiting for other coverage to begin
Waiting to be eligible for Medicare coverage
Without health insurance, outside of Open Enrollment
Learn About Short Term Health Insurance
For these situations and more where you are stuck in a coverage gap, finding the best short term health insurance plan you can may be just the right solution for you.
Can I renew this type of health insurance coverage?
If you need coverage for longer, you may be able to apply for another Short Term insurance plan. However, for any subsequent plan, whatever you received treatment for under a preceding plan will be considered a preexisting condition.
Is Short Term health insurance available for families?
Yes, spouses and dependents can be covered under a Short Term insurance plan. However, because Short Term is medically underwritten, all family members will need to meet medical requirements of the plan.
Does Short Term health insurance provide coverage for preexisting conditions?
No. In most cases Short Term insurance plans do not cover preexisting conditions, which depending on your state’s definition would mean something you received diagnosis or treatment for within the last 2 to 5 years. If you are in this situation, you may want to explore other options or see if you can extend your current insurance plan.
How quickly can I get coverage?
The earliest a Short Term health insurance plan can take effect is the day after your application is received. You may also choose a later effective date based on your individual needs.
Is preventive care covered under Short Term health insurance?
Preventive care can sometimes be covered under a Short Term plan but may be limited. Check plan details for more information.
Will prescriptions be covered if I get temporary health insurance?
Prescriptions may be covered on some plans. Check specific plan details to learn more.
Is my current doctor covered under this plan?
It is possible, but check the network offered by any short term health insurance you plan to buy for the inclusion of doctors that are important to you.
Do I need to select a Primary Care Provider (PCP)?
While some plans may require you to select a PCP as your main point of contact for your health care management, temporary health insurance plans often give you the flexibility to see any qualified health care provider you choose.
Do I need a referral from my PCP to see a specialist?
Referrals are not required to see a specialist with Short Term Medical plans underwritten by Golden Rule Insurance Company. You can see any specialist you wish.
Other Short Term health insurance plans may differ, so be sure to check the details before you buy.