Short term health care insurance (also called temporary health insurance) provides safeguard at a short period from one month to six or twelve months, which is not covered in standard health plan. It is helpful when one suffers unexpected health conditions, such as injuries and diseases.

• college students or newly graduated students.
• independent from family health plan recently.
• temporary or seasonal employees.
• unemployed recently or are applying for new jobs.
• waiting for new health policy to become effective.

• People with chronical illness.
• Elders over 65 years old
• People who prefer to keep HIPAA health insurance effective or hold it in future. Because those two policies are incompatible.

• Flexibility. The coverage period is ranged from 30 days, 45 days, 60 days to 90 days, 120 days even 180 days.
• Affordability. The cost of short term health care insurance is lower than most health plans. The cost per month is form $25 to $100.
• Convenience. The procedure to purchase this policy is much simpler than other health plans.
• Short time to be effective. It needs only 24 hours after applying date to become effective.
• Extension. They may extend to spouses and children.

• Emergency care, such as surgical operation and ambulance.
• Hospital stay, such as diagnosing and treatment, etc.
• Home care

Tips for purchasing short term health care insurance

• The intervals between two short term health care insurance should not be less than one year.
• Some daily care or examinations are excluded in this coverage, such as optical and dental care , etc.
• Maternity and childbirth are excluded.
• People can pay it monthly or pay it in one time. If you know exact coverage period and want low cost, you’d like to pay once for all. On the contrary, if you don’t know the exact coverage period, you can always pay monthly.