getting to know
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.
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.
Short Term medical insurance can provide a temporary solution to help fill gaps in coverage.
Consider Short Term Medical Coverage if you’re:
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.
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.
JayKIG 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 LandersEryca is Always happy to help me out with anything ..she’s made things for me so much easier..
Frankie IrizarryI have only had the best experiences with this insurance group.
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Asi LoloiWe 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 albrightMy 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 BurtonEryca 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 AvigailExcellent 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 PensabeneNeed advice? Call (800) 881-2790 to speak to a Licensed Agent
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Insurance Ad – No Government Affiliation. This ad is not from the government. It’s from Kauffman Insurance Group, an independent Medicare insurance agency selling plans from many insurance companies. The Medicare plans represented are PDP, HMO, PPO, or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Eligibility may require a Special or Initial Enrollment Period. Kauffman Insurance Group and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently, we represent 143 organizations which offer 3,243 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Benefits shown are for the 2023 plan year. Benefits may vary in 2024. Not all plans offer all benefits mentioned. Benefits may vary by carrier and location. Deductibles, copays, coinsurance may apply. $0 premium plans are not available in all areas. You must continue to pay your Part B Premium. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Eligibility may require a Special or Initial Enrollment Period. Kauffman Insurance Group website is operated by Kauffman Insurance Group, a licensed health insurance agency doing business as Kauffman Insurance Group. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Kauffman Insurance Group is a free service with no obligation to enroll. Your information and use of this site are governed by our most recent Terms of Use and Privacy Policy.
