Short term health insurance is designed to help you maintain health benefits in periods when coverage may be lacking, such as a job change or graduation. A quick look at some factors to consider regarding short term health insurance may help you understand if it is right for you.

• Appropriate only for people in between coverages
  • Health insurance benefits during the down time between your old health insurance coverage ending and your new health insurance kicking in. It is important to remember not to have a lapse of 63 days or more to keep you prior creditable coverage intact.
• Most short term health insurance policies allow for coverage to be extended to a spouse and/or dependents
• Short term health insurance tends to be affordable
• Short term health insurance policies are non-renewable
  • You must to re-apply to extend coverage
• Pre-existing conditions will not be covered by short term health insurance
• Preventative and routine care, like check-ups,  are not covered
• Short term insurance generally does not constitute continuous coverage