Short Term Medical Insurance
Short-term medical plans are ideal as bridge coverage for individuals who are between jobs or for the high school or college graduate just entering the work force. A short-term plan may be a substitute for more expensive state or federal continuation elections, particularly when the applicant is not concerned about expenses related to a pre-existing condition.
Who is eligible?
- Anyone age 15 days to 64 and 11 months,
- Dependent children through age 20 (age 24 in a full-time student)
- Foreign residents living in the U.S. for at least one year with proof of an Alien Registration Receipt Card, Green Card, Visa or other appropriate documentation.
A Short Term plan may be written for up to 12 months and is not renewable. If there is still a need for temporary coverage after the initial coverage period, coverage can be rewritten for a second period provided there have been…
- No claims incurred under the prior plan
- No significant change in health
There will be no continuity of coverage from the prior plan. Any condition or symptom that may have occurred while covered under the prior plan will be treated as a pre-existing condition. A pre-existing condition is a sickness, injury, disease or physical condition, for which medical treatment, advice from a physician within the one year immediately preceding the effective date of coverage or which had produced signs or symptoms within the one year period (may vary by state) immediately preceding the effective date of coverage.
Premium may be remitted lump sum or monthly. Payment by check or credit card is accepted. Coverage is effective 12:01 AM the day after the requested certificate date or 12:01 AM the day after the postmark date affixed by the U.S. Postal Service
Provided the following conditions are met:
- Receipt by the insurance carrier of the application and the full premium payment.
- The answers to the questions on the enrollment form are complete, and they fulfill the requirements for acceptance.
For a quotation or to apply for individual medical coverage, please visit the page "Contact Us".