Short Term Health Insurance or Temporary Health Insurance: FAQs

Q. How does short-term health insurance work?

Short-term health insurance is designed to provide coverage for a short period of time as compared to standard insurance. Coverage for these policies are usually from six to 12 months. However, some plans can be as short as one month.

Q. Why would I need short-term health insurance?

Yes. When filling out the claim form, put your name and information in the claimant information section. If there is no separate space for claimant information, you can include a cover letter with your information.

Q. What happens if I still need insurance after my short-term policy expires?

You may re-apply for another short-term plan. However, new plans normally do not resume continuation of your first plan. Also, a company may only allow you to re-apply once so coverage does not exceed 12 months. So it's important to check with your carrier to review the coverage on the next plan.

Q. What does short term health insurance cover?

Short-term health insurance plans provide limited benefits designed to protect you and your family against unforeseen illnesses or accidents. They do not provide comprehensive coverage for medical services like physical exams, dental and vision care.

Q. Are pre-existing conditions covered with short term medical insurance?

Pre-existing conditions are typically not covered with short term medical insurance.

Q. What is the application process for short-term health insurance?

The application process for short-term health insurance is typically straightforward and simpler than that of a comprehensive coverage plan and can be done online. In most cases, you will be notified if you qualify for short-term coverage once you complete your application. As a result, the approval process is faster.

Q. What should I do if I only need coverage for less than 30 days?

Your short-term health insurance plan coverage will start on the effective date stated in your policy. If you want your coverage to start later, you can select a date up to 30 days in the future.

Q. What should I do if I only need coverage for less than 30 days?

Short-term health insurance plans usually require a minimum coverage period of 30 days. If you sign up for a monthly payment plan, you should cancel your insurance when you are sure you no longer need it.

Q. What should I do if I happen to get a longer-term insurance policy later?

You should review the policy details under the Free Look Period. If satisfied, contact the provider of your short-term health insurance plan to cancel the short-term policy.

Q. When my short-term policy expires, can I renew or extend it to continue coverage?

Unfortunately you are not able to renew a short-term health insurance plan. But, you may be able to apply for a new policy once your current policy expires. You should check with your carrier before your policy expires to make sure there is a viable option as some states do not allow you to reapply.

Q. Am I able to add coverage for my spouse and children on a short-term medical insurance plan?

Your spouse (under 65 years of age) and dependents (under 19 years of age) are eligible for coverage, as long as they meet the same underwriting requirements. You can also get coverage for unmarried children under 25 years of age if they are enrolled full-time in an accredited school or college. Eligibility for children ages 19 through 25 may vary by state.

Q. Can I insure my child only?

Yes, a health insurance company may require a separate policy for each child. If more than one child, you must apply for coverage for each child separately.

Q. If I need to see a doctor during my coverage period, am I required to make an appointment with doctors in the health insurance provider's network?

You can choose to visit any licensed physician or hospital for your appointment. However, you may be able to save on your out-of-pocket expenses if you choose a medical care provider that is included in your carriers network.

Q. Can I get coverage for female preventive care visits under a short-term plan?

You should check your benefits carefully, a carrier may not be required to include this benefit in your state.

Q. How do I know if I'm eligible for HCC Life Insurance Company's Short-term Medical Insurance Policy?

STM Complete's eligibility requirements state that you must be between 2 through 64 years of age and meet the following requirements:

  • You will not be covered by another medical insurance plan at the time of your requested effective date.
  • You are not pregnant.
  • If requesting dependent coverage, you are not an expectant father or planning to adopt.
  • You are not a member of the armed forces of any country, state or international organization, other than on reserve duty for 30 days or less.

Q. Is prescription medication covered under short-term plans?

Coverage plans will vary by carrier. Under HCC Life Insurance Company's STM Complete plan, inpatient charges for prescription drugs will be covered. However, it does not cover for outpatient prescription medications.

Q. Can I get coverage for female preventive care visits under a short-term medical plan?

You should check your benefits carefully, a carrier may not be required to include this benefit in your state.

Q. Where can I get the required claims forms for IHC STM Secure or Lite short-term health insurance plans?

Upon approval of your application, the claim forms as well as any other documents you might need will be included with the fulfillment kit.

Q. How do I know if I'm eligible for short-term medical insurance policy?

STM eligibility requirements state that you must be between 2 through 64 years of age and meet the following requirements:

  • You will not be covered by another medical insurance plan at the time of your requested effective date.
  • You are not pregnant.
  • If requesting dependent coverage, you are not an expectant father or planning to adopt.
  • You are not a member of the armed forces of any country, state or international organization, other than on reserve duty for 30 days or less.
  • You are able to answer "no" to the medical questions on the application

If you have any additional questions about short-term health insurance, feel free to send us an email at support@visitorscoverage.com.

Fast Facts

Short-term plans are good for
  • New Immigrants
  • Employees between jobs
  • Recent Graduates
  • Early Retirees
  • People who missed obamacare enrollment

Short - Term Insurance FAQs

1. How does short-term health insurance work?

2. What is the application process for short-term health insurance?

3. Are pre-existing conditions covered with short term medical insurance?

Go to Short Term Health Insurance: FAQs

Did You Know?

You can still insure yourself with Short-term health insurance if you are not eligible for domestic health insurance under Affordable Care Act (ACA) or missed the deadline for ObamaCare, which is usually November 15 to February 15.
The cost of insurance is regulated by Department of Insurance. You can not find the same plan at a different price on other sites.

Short-term insurance is not required to observe the ACA requirements

Short-term insurance is flexible & less expensive but not renewable

Short-term insurance does not provide pre-existing condition coverage