Short Term Health Insurance From Alcare Global Health Insurance company
As the name suggests, short-term health insurance policies or temporary health insurance plans provide health care coverage for a limited time duration. The time period of the health insurance may be anywhere between 6 to 12 months. This kind of health insurance is perfect for those people who are waiting for other health insurance to start or are temporary workers in their current jobs. Short term health insurance doesn’t differ much from long term health insurance policies. The only difference between the two is that short term health insurance policies do not provide as much health insurance as long term insurance does.
Applying for short term health insurance is easier that long term health insurance. These health insurance plans are designed to protect subscribers of the policy, against un-expected illnesses and injuries; rather than providing for long term coverage of a persons health care. They do not cover any expenses made on physical examinations, immunizations or dental care. But on the plus side, short term health insurance policies are relatively easier to get approved as in comparison to long term health insurance policies. The approval process in this case is less rigorous and your health insurance coverage would normally begin within twenty-four hours of application. Once you busy a short term health insurance policy, you receive a card that states the limits a deductible on the services offered by the policy.
Another plus point of a short term health insurance plan is that it usually is a one time expense. Subscribers have the option of paying the insurance amount on a monthly basis or can even opt for a single payment option. Short term health insurance policies are often offered at half the price of a long term health insurance policy.
International students who are in a country only for the duration of their studies may find buying a long term health insurance policy expensive. Keeping this in mind, short term health insurance policies are made for people who generally have good health and do not want to spend money on long term health insurance policies.
Short term and a long term health insurance plans have only one significant difference. The coverage in the short term health plan does not cover pre-existing health conditions and doesn’t offer preventative care, as do long term health insurance plans. These plans are specially designed to provide a subscriber of the plan, protection against any major health problem.
Remember: All visitors to USA need to have a visitors health insurance done compulsorily.
Despite the limitations of short term health plans, it is a blessing for those people who cannot afford to purchase a long term health insurance plan. Since treatments for major illnesses are covered under short term health insurance plans, students and workers prefer buying them over long term plans.