Just out of school, between jobs, not yet eligible for new employer’s coverage, temporary employee, early retirement? You may need temporary or short term health insurance.

For healthy people, short term health insurance is fairly low in cost. From very basic coverage to almost total comprehensive, you have a wide range of options from which to choose. When medical problems are catastrophic in nature, some people only buy insurance that will help at that time. Temporary insurance that covers most options and lasts from three to 12 months is very popular.

Choice for the doctors and hospitals you use and a fairly low deductible are things that are good about short term health insurance. Covering hospital care, emergencies, surgery, blood-work, x-rays, short term health insurance works like most other health insurance policies.

Please be aware though, that if you have a pre-existing condition, you may be denied coverage. Keeping the costs of these short term policies so low is very important to insurance companies, so they are very strict about who gets them.. For many medical services you may need pre-certification. Make sure that the deductible only has to be paid once, not for each illness or accident.

There is good Short Term Health Insurance out there, but you must do your due diligence to find the one that is best for you.