Answer:

Short-term medical coverage is designed to fill the temporary coverage gap that can occur when you are between permanent plans. Such a gap can occur when you are between jobs, laid off, or waiting for group coverage, among other reasons. You and your dependents may be eligible for coverage if you meet certain age, health, and U.S. residency requirements.

To keep the premiums affordable, coverage is not as extensive as that under permanent plans, but it generally covers basic charges in the event of an accident or sudden illness. Like other medical insurance plans, short-term medical coverage may subject you to co-payments and benefit limits.

Generally, short-term medical plan coverage includes:

• Your choice of doctors and hospitals
• Charges for inpatient and outpatient services provided by medical professionals
• Hospital room and board charges
• Intensive care unit charges
• Ambulance services
• Diagnostic lab exams and x-rays
• Prescription drugs

Generally, short-term medical plan coverage does not include:

• Preexisting conditions
• Routine medical exams
• Dental care
• Pregnancy and childbirth expenses
• Intentionally self-inflicted injury
• Expenses not medically necessary
• Medical expenses outside the U.S.

Short-term medical coverage is typically available for periods of 30 to 180 days, although some plans offer initial coverage for as long as 12 months. While you may be able to renew your plan, generally short-term coverage cannot continue for more than 365 total days.

In addition to insurance agencies, professional organizations and associations sometimes offer short-term medical insurance. Coverage can often be implemented quickly, sometimes the same day that your application is received. Many insurance companies offer a choice between a single payment or a monthly premium, as well as a choice of plan deductible limits. There may be a free look period (usually the first 10 days after delivery of the policy) during which you can cancel your policy for a full refund.