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.
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
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I recently moved to FL from CA and Kaufman insurance group adjusted my insurance policy to FL, my new policy is way better and cheaper by more the 60% from the one I had in CA !!! Thank you !!
Sasha Hakiev
November 12, 2024I’ve been with Kauffman insurance for years! From a plan with my family to my own plan with my family and kids. Ms Shirley and Ms Natalie are absolutely fantastic! Allison and Eryca have always been able to assist with any questions or concerns, with so much kindness no matter how many times I’d call. Eryca has been able to solve any issue I’ve ever had with marketplace as well! Such an amazing insurance agency and would absolutely recommend!!!!
Talya Levi
October 17, 2024Allison is the best! She is super helpful and efficiently assists with anything needed!
Sarah Simon
September 14, 2024 -
I am so happy with Shirley and her wonderful team of Agents. They are always so polite and happy to help no matter the problem. I have been with them almost 2 years and never had anything negative to say...Grateful to have met them even if only over the phone. Thank you so much Shirley and All the staff past & present♡God Bless You All! ☆☆☆☆☆☆☆☆☆☆.....💯👍🙏
Teresa Canales
August 14, 2024If I could give them 10 Stars I would unbelievable professionals working here they got us the best insurance in the best price and also care throughout any question or concern or authorization from the insurance to approve things that usually you can't do by your own I want to specially thank Allison that works with them she's been helping our family through all the hard times and insurance problem we ever had with hours on the lines with us and the insurance solving our problems thank you very much there is not enough words that can fit here for the appreciation we have for you and your company! Thank you! 🙏
Menny Bensusan
July 14, 2024Very grateful for the services done by this company. Couldn't be happier with their professionalism and fast responses. I highly recommend Allison and shirly!!
shiri levi
May 14, 2024 -
I can’t thank Shirley and Anthony enough for all the help finding good health insurance! My husband and I are saving money and have great coverage. Anthony was so happy to answer all my questions! What a great team!! Thank you so much!
Debra U
May 14, 2024Working with Allison is always a pleasure! She deserves all the praise in the world! Anytime I need help she is the problem solver. I’ve worked with her for a few years now and couldn’t be more satisfied! Thanks!!
Tim Hinson
May 14, 2024Thank you Allison for being so helpful, fast and professional! Health insurance has always been an overwhelming subject for me, and Allison made it a breeze! She personally helped me choose the absolute best fit plan for my needs, was quick to process everything, and mostly importantly always responds promptly to any questions after I have already signed up, unlike other agents who just send you to speak to directly to the insurer’s call center in India if you have any questions. I 100% recommend this agent for health insurance in Miami and south Florida!
amit erez
April 14, 2024
