These low cost plans have become very popular for individuals and families that only need coverage for a few months. However, many short-term plans can be kept or renewed for as long as 12 months. Coverage is generally ideal for persons that are temporarily without coverage, graduating students, laid off workers or anyone between jobs or waiting for employer-based benefits to commence.
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Temporary medical coverage plans can be approved in about a day and usually consist of only 5-10 health-related questions. Although pre-existing conditions are not included in coverage, most other expenses are covered, subject, of course, to the selected deductible. Repriced discounts can often reduce the out-of-pocket costs of insureds if they use Network providers and facilities.
Although federal health care reform changes may result in significant changes to prices of long-term Ohio health insurance policies, short-term plans will probably not see drastic changes in rates or coverage.
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