Short Term Medical Coverage – A Bridge Until Open Enrollment

Monday, June 27, 2016 | 8:18 pm

Has your individual health insurance policy recently been cancelled?

Are you between jobs, and need coverage for a few weeks or months?

Are you a college student in need of coverage until classes begin?

The Answer To All These Questions is Short Term Medical Coverage.

• Short term medical is a limited form of health insurance designed to bridge you to permanent individual or employer based group coverage.

• Short term medical insurance is designed to protect your assets by paying for catastrophic hospital medical costs.

• The coverage will only pay for your inpatient hospital, ER, or Urgent Care medical services.

• Some policies may include some form of office visit co-payments before or after the deductible.

• Drug coverage is usually limited to inpatient hospital; however, some carriers may include a drug discount card.

• Pre-existing conditions diagnosed during 12 months prior to enrollment are normally excluded. In addition, carriers may also decline enrollment if a major illness has occurred within the last 5 years.

• The coverage is sold on a month to month basis, up to a maximum of 6 months. Some carriers may allow the policy to roll over for additional days or months.

• You may tailor the coverage to the actual number of days needed until the effective date of permanent insurance.

• You may select policy maximums that range from $750,000 to $2,000,000 per person.

• You may select a deductible from $500 to $7500; co-insurance (the amount you pay after deductible) of 20% or 50% making your total out of pocket costs (your maximum financial risk)$1,500 to $10,000, including deductible.

• You have a choice of having an effective date the day after enrollment or up to 30 days in the future.

• You may pay on a monthly basis or the total premium up front for the actual number of days of the policy.

• The premiums may only be paid by credit card.

• You may enroll directly online, and after approvalthe carrier will automatically download your ID card(s) and Certificate of Coverage.

If you have questions, contact me directly at (626) 797-4618 or email me at


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