The Short Term Trap
Temporary Health Insurance is short term health insurance designed to protect you from an unexpected illness or injury when you are between permanent health plans. These plans generally run from 1 month to 6 months and are not generally as comprehensive as a major medical individual plan.
The Good News – Inexpensive with very little underwriting.
The Trap – The reason short term coverage is inexpensive, is because it generally does not cover pre-existing health conditions, and it only last 1 to 6months so if you do get sick when you are on it they will be able to get rid of you at the end of the term. This is why short term insurance can be a trap if you get sick while you are on the plan, when the plan ends you will no longer have coverage. And if you have not found other permanent coverage then you may be unable to buy any replacement coverage. Remember you need to insure the car before you wreck it, or insure the body before you get sick!
Do not wait until it is too late…buy permanent individual coverage NOW that no one can take away from you when you need it most!
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