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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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.

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