If you are in good health and just want something in place for accidents or unexpected trips to the emergency rooms, you should consider having a short health or medical insurance. Most people who are unemployed or find gaps in their insurance plans usually opt for short term insurance because of its benefits and flexibility. Although it is a plan that is usually overlooked by many people, the more you learn about it, the more you will realize it is the kind of insurance plan you have been looking for. Here are some benefits of having a short term insurance plan.
One benefit of having short term insurance is you will be in control and it can be highly customized to fit your needs and provide you with options. If you have short term insurance you will get to choose your policy length which is usually between thirty to three hundred and sixty-four days depending on your condition. In addition to choosing your policy length, you will also determine the amount you are deducted to cover the insurance. You are literally in control of everything if you choose to get a short term insurance cover. The monthly premiums you will pay if you get short term is insurance will be less compared to other traditional medical insurance.
Having short term health insurance is a way of protecting your finances from unexpected medical bills. If you risk going without health insurance for a given period and you become sick or incur injuries that require medical, you will have to foot the entire bill from your pocket. But if you have the short term medical insurance plan, you can be spared these costs because it includes a range of benefits for medical expenses related to emergencies room visit among others. Some short term health insurance plans also include medication for some pre-existing conditions.
You can apply and qualify for short term health insurance anytime because you can access them online twenty-four hours, seven days a week. Short term health insurances have no open enrollment periods and you can begin coverage as soon as the next day once you go through the application process that usually lasts only a few minutes. If you get short term medical insurance, you will still keep your primary healthcare provider because they most of them accept short term health insurance just as they do major medical insurance. These are just some of the reasons why you should consider having short term medical insurance.
For additional details, check out this page: https://www.encyclopedia.com/medicine/divisions-diagnostics-and-procedures/medicine/health-insurance.