Short term health insurance plans: (also known as short term medical insurance and temporary health insurance)
If you can answer "NO" to the following questions, you are eligible for the Secure 12 X 3 temporary health insurance plan:
- Will there be any other health insurance in force on the policy date?.
- Is the proposed insured, spouse, or any dependent child now pregnant ?
- Is any proposed insured currently eligible for Medicaid?
- Within the past 5 years have you or any person proposed for coverage been aware of, diagnosed, treated by a member of the medical profession, or taken medication for cancer or tumor, stroke, heart disease including heart attack, chest pain or had heart surgery, COPD (chronic obstructive pulmonary disease) or emphysema, liver disorder, degenerative disc disease or herniation/bulge, rheumatoid arthritis, degenerative joint disease of the knee, insulin -dependant diabetes (not applicable to DC residents) alcohol abuse or chemical dependency?
- Within the past 5 years, has any person proposed for coverage tested positive for exposure to the HIV infection, or been diagnosed as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS -Related Complex (ARC) cause by the HIV infection or other sickness or condition derived from such infection?
- Has any person proposed for coverage not been a legal resident of the United States for the last 12 consecutive months?
Choice of Deductible
- $500, $1000, $2500, $5000
Choice of Coverage Time
- Month to Month
- 3 months or 6 months
- 1 year to 3 years
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Ideal Solution:
- Laid off
- On-strike
- Between jobs
- Waiting for other health insurance to start
- recent graduate no longer covered under your parents' policy
- Seasonal employee
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Coverage
- Hospitalization
- Outpatient Surgery
- Emergency room
- Mammogram and screenings
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