Short Term Health Insurance in Ohio
Ohio Health Insurance Quotes are presented by
Simon Jones of Columbus, Ohio License Number #123456 |
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There are situations when a person will need a new health insurance policy for only a short time. This circumstance may occur when a young person does not meet the criteria to be insured under a parent's health insurance. A student may be too old for coverage, or may be taking less than the required number of hours enrolled to be covered (often, family policies expect that the student is enrolled full-time or for a minimum of 12 hours each semester).
Other individuals need a short-term health insurance plan because they are traveling out of the country, have a gap in coverage between graduation and when a future employer’s policy will take effect, or are between jobs that would ordinarily provide coverage.
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Short-term options are available for these individuals, including COBRA coverage through a former employer or parent’s plan. Premiums for these continuation of coverage policies can be paid monthly until the individual finds a replacement policy. COBRA coverage is pricey, though. More economical short-term plans can be found, depending on the situation.
Details about Short Term Health Insurance Plans
Short-term health insurance policies may include the following.
- Choose a deductible amount from $250 to $2,500.
- Pay monthly or make a single payment to include the length of coverage, if that time-span is known.
- Benefit periods are in the range of a month to a year, with most policies lasting 6-12 months.
- Coverage is available for prescriptions.
- Does not cover pre-existing conditions going back as far as 36 months. Study the restrictions on these policies carefully.
- Coverage is included for doctor visits, emergency services, surgery, out-patient, and hospital care
- Does not usually extend to routine care such as immunizations or physical exams. These policies are designed for an illness or injury that occurs during the time of coverage.
Short term insurance is designed for people who are healthy but who require a stop-gap health insurance policy. Anyone with pre-existing conditions or who needs more than a policy which will mainly cover accidents or major illness should find more permanent insurance for their needs.
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