Short term medical insurance is a type of insurance that provides coverage for a set period of time, usually between 30 and 364 days. This type of coverage is typically used by people who are between jobs or waiting for their employer-sponsored health insurance to begin. It can also be used by those who are self-employed or do not have access to employer-sponsored coverage. Short term health insurance plans typically have lower premiums than traditional health insurance plans, but they also generally have higher deductibles and provide less comprehensive coverage. As a result, these plans are best for those who are healthy and do not anticipate needing much medical care.
Coverage varies depending on the plan, but most short-term health insurance plans will cover hospitalization, emergency services, and doctor visits. Some plans may also offer limited coverage for prescription drugs, mental health services, and physical therapy. It is important to note that short term health insurance plans typically do not cover preventive care, pre-existing conditions, or maternity care.