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A definition of short-term plans.
Short term medical is a health insurance plan that offers coverage for up to 364 days, and can be renewed as long as the total duration doesn't exceed 36 months.
There are lifetime claims maximums, pre-existing conditions are excluded and you have to be approved for coverage. You'll usually want this type of policy if you do not have a qualifying event after losing other health coverage, but if you have pre-existing conditions, you can be denied enrollment.
Many people will use short-term plans as a temporary bridge until enrolling in a regular health insurance plan.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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