The use of short-term medical plans is on the rise. How can you determine if short-term medical coverage will meet your needs?

Before making a decision to get short-term health insurance, it’s important to get a handle on a few fundamentals. Let’s sort it all out.

When Should You Choose Short-Term Health Insurance Instead of Temporary Coverage?

Short-term medical coverage is synonymous with temporary medical coverage. The two are related in that they both deal with limited choices aimed at bridging the time gap between applying for employment benefits and receiving a Green Card.

As the name implies, short-term health insurance or short-term medical insurance only covers medical expenses for a set period of time. Temporary health insurance policies usually cover the insured for between 30 and 180 days.

Yet, there are specialist plans available, such as those that provide coverage for up to 364 days before expiration. Short-term health insurance typically covers only the most basic medical care and has other restrictions that make it less desirable than permanent health insurance.

Common limitations and exclusions for health services covered by short-term health insurance plans include a maximum coverage sum of $2 million and a 30-day waiting period between coverage initiation and the start of treatment.