Short Term Health

getting to know

Short Term Health

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 offer temporary medical coverage when you may be in a transitional period in your life.

Let Us Help You Stay Safe With Temporary Health Coverage.

Our team will help you find the most affordable short term health plan on the market that matches your needs and budget. We’ll work with you to navigate the complexities of insurance to select the right plan for you.

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Health Insurance doesn't have to be difficult

How do I know if Short Term health insurance is a good choice for me?

Short Term medical insurance can provide a temporary solution to help fill gaps in coverage.

Consider Short Term Medical Coverage if you’re:

  • Between jobs
  • Waiting for other coverage to begin
  • Waiting to be eligible for Medicare coverage
  • Without health insurance, outside of Open Enrollment

Below are common questions and answers that may help you to better understand whether Short Term health insurance is right for you.

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.

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.

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.

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.

Preventive care can sometimes be covered under a Short Term plan but may be limited. Check plan details for more information.

Prescriptions may be covered on some plans. Check specific plan details to learn more.

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.

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.

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.

What our clients are saying

  • Eryca & Natali were exceptionally helpful. With this being my first time ever having to do this with never being taught they made the process smooth and less stresssful. They are very professional and I would definitely recommend them.

    Jay Avatar Jay
    November 14, 2023

    KIG WAS amazing, super helpful, answered all of my questions and got back to me in a timely manner. Anthony was my agent- the best the have. Highly recommend working with Anthony. Hes timely, responsive, respectful, and makes sure you truly understand your plan. Thank you KIG!

    Amanda Landers Avatar Amanda Landers
    October 20, 2023

    Eryca is Always happy to help me out with anything ..she’s made things for me so much easier..

    Frankie Irizarry Avatar Frankie Irizarry
    October 20, 2023
  • I have only had the best experiences with this insurance group.

    Marissa Helman Avatar Marissa Helman
    October 20, 2023

    Great insurance office great ppl very helpful

    Asi Loloi Avatar Asi Loloi
    October 20, 2023

    We found out we’re expecting and they helped us get the insurance and went the distance to find accepting doctors in our area! Highly recommended, made a stressful scenario go by with ease!

    dean albright Avatar dean albright
    August 20, 2023
  • My agent Crystal Middleton is a Godsend. She has helped me thru all my paperwork. Were it not for her I would be totally lost.Thank you for everything Crystal God Bless You...

    Charles Burton Avatar Charles Burton
    July 20, 2023

    Eryca was amazing and so much help a special thank you to her she was so patient especially because my English is no good great communication skills I really appreciate her -Hagit mamia

    Baking with Avigail Avatar Baking with
    July 20, 2023

    Excellent service. Crystal is very knowledgeable, professional & personable. All my options were explained & all my questions answered. I have and will continue to refer friends and family.

    Pietrina Pensabene Avatar Pietrina Pensabene
    July 20, 2023
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