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Short Term Major Medical Health Insurance Quote Forms

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Short Term Major Medical Health Insurance Information

Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.

The application process for short-term health insurance is usually simpler than standard, longer-term health insurance. Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care.
Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

Short-term health insurance plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, you may want to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.

 Our Advice

  • Why Short Term Medical Insurance?
    Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike. With affordable short-term health insurance, you have time to compare and contrast individual health plans and make it through the waiting period without feeling desperate.

  • Do I qualify for temporary medical Insurance?
    Underwriting standards for affordable temporary health insurance are normally stricter than normal individual or family plans. If you have a pre-existing condition, you may not be able to buy a short term health insurance plan at all. In this case, an individual policy may be a better value than short term health insurance if you can afford to wait a little while before your coverage takes effect. Most individual plans allow you to cancel coverage at any time.

  • What’s the difference between short term and long term Insurance?
    Short term health insurance plans are ideal when you need medical coverage for a short, yet defined period of time and need it immediately. This is because temporary health insurance is normally paid for in advance. Such plans offer less comprehensive benefits than most standard individual plans, but HPA short term health insurance plans also offer policyholders greater flexibility when choosing providers. My Principal Benefits can help you decide whether short term health insurance fits your needs. We have licensed health insurance agents who are able to provide you with a short term health insurance quote, in addition to guidance in selecting temporary health insurance. Click Here to recieve a free exclusive quote today!


 Short Term Medical Plan Carriers and Administrators


At Health Insurance Innovations (HII), we develop affordable, high-quality health insurance and ancillary plan bundles through partnerships with best-in-class carriers. We are an industry leader in the sale of short-term and limited medical insurance plans, which provide a much-needed affordable alternative to Individual Major Medical plans.
HII created the industry's first virtual administrator, a cloud-based technology platform for real-time consultation between our licensed agent distributors and consumers so everyone can find a plan that's right for their health and budget. This paperless Quote, Buy, Print platform can complete unlimited, simultaneous sales, sending consumers proof-of-coverage - and insurance carriers proof of a sale - in minutes, not hours or days. CLICK HERE FOR MORE INFO...

A national association that represents America’s small and medium sized businesses via networking, advocacy, and information sharing. Roughly forty one million Americans go without healthcare every day; families of the self-employed, or those working for small businesses, make up sixty percent of that total. The NCE seeks to provide its members with reliable services, resources, and benefits regardless of one’s circumstances or means.

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