Who can get temporary health insurance?
Reader question:
Who can get temporary health insurance?
Mark
Great question.
One of the reasons that short term health insurance is able to offer its policies at such low monthly prices is because it has much stricter limits on who can be covered under one of its medical health insurance plans. It creates a stricter requirement, and thus those that purchase a short term health insurance plan are part of a pool that has less risk, and with less risk come fewer health insurance claims, and with fewer health insurance claims come cheaper rates.
Usually you can’t get short term health insurance if you are over the age of sixty five. More problems that are similar to the amount of pre-existing conditions come with older age, so short term health insurance companies don’t want to cover people who have the higher risk of getting sick or injured more often. It’s also true that if you applied for a health insurance policy before and were denied, you might not be able to get a temporary health insurance policy.
If you already have a health insurance policy that covers you, even if it’s coverage is very limited, you probably won’t be able to get short term health insurance to pick up the slack. Temporary health insurance plans have several requirements, and you’ll probably have to be within a certain height and weight range in order to qualify. It’s also true that there are several questions that you will be asked about your health history that you will have to answer correctly in order to be allowed to take out a short term health insurance policy.
Cheers,
Fashun Guadarrama.