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Short-Term Medical Insurance

Doctor showing a young female patient her x-ray.

What is Short Term Medical Insurance?

Short Term Medical Insurance is designed for individuals going through life changes and transitions that leave them without insurance coverage for a short period of time. When transitioning through life changes that leave you between health insurance coverage, Short Term Medical Insurance keeps you and your family covered.

Coverage from 30 Days to 12 Months

While waiting on your new health insurance coverage to begin, a Short Term Insurance policy will protect you in the short term. Whether for days or months, policies start as short at 30 days and going up to 12 months long. Short Term Insurance is a policy where you set the terms, define the benefits, and design a policy based on the premium and deductible that works for you.

Getting Covered with Short Term Medical

Like typical health insurance policies, a Short Term health insurance policy will help you cover qualifying medical expenses but will provide coverage while you are between health insurance plans.

Short Term Health insurance covers qualifying out-of-pocket health expenses, hospitalization, doctor visits, and can be obtained year-round. With coverage usually starting the day after approval, a Short Term Health Insurance is coverage on your terms, when other plans require you to wait or won’t cover you.

How Cost Sharing Works

Whether short term or traditional, health insurance plans entail sharing medical expenses. These costs are shared between policyholder and insurer with usually the percentage, maximum, or fee defined in the insurance policy.

Paying your premium pays for your coverage, but doesn’t cover your medical bills. Copayments, Deductibles, Coinsurance, and Out-of-Pocket expenses are separate expenses:

  • Copayment: Dollar amount that must be paid for prescriptions, doctor visit, or certain medical expenses ($20 as an example)
  • Deductible: Specified dollar amount that must first be paid toward the medical bill for insurance to cover the rest
  • Coinsurance: Often comes into play after deductible, percentage of the total covered costs both parties are responsible for
  • Out-Of-Pocket Maximum: Most called upon to pay out-of-pocket toward medical expenses

Why Get Short Term Health Insurance?

When life leaves you between health insurance coverage, a Short Term health insurance policy provides coverage when you need it without the wait. If you are healthy and well, secure an affordable low-cost premium by choosing a high deductible short term health insurance plan, or if you have a high level of plan or recurring medical expenses, choose a higher premium to lower your deductible.

Illness and injury can strike unexpectedly

Don’t get stuck paying the full cost of medical bills on your own
A short term insurance policy can help, whether you’re between insurance policies, or at a transition point in life, get covered anytime, without the wait
Don’t let an emergency catch you off guard. Speak with one of our agents on getting a short term insurance plan for you and your family today.

When Life Changes, So Should Your Coverage

Switching jobs and learn you won’t be covered? Between jobs and seeking employment? If your current employer does not provided medical or group Health Insurance, or if you are between jobs, have no fear, as we are here to help! Speak with one of our agents to learn which Health Insurance policy is right for you. Because whether it’s for the short term, long term, or life, Murray insurance Agency is here to help.

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