Short Term Health Insurance

Individual short term health insurance offers a temporary solution in health care. A typical individual short term health insurance covers emergency medicine, prescription drugs, intensive care, lab and x-ray, and the ambulance services. Because of its low cost, the short term plan does not include dental or optical care, and preventative care like physical exams, immunizations and PAP tests etc. These individual short term health insurance plans do not offer coverage for pre-existing medical conditions.

The Individual short term health insurance is very costly when compared with short term group plans. In group plans, the employer usually gives a very limited range of benefit choices that help you in making your option very simple. But in individual short term health insurance plan, there are lots of coverage choices and the confusion in choice often leads to higher costs.