Short-Term Medical Insurance Plans
Short-term medical insurance offers temporary health coverage when you’re between plans or facing unexpected gaps in your regular insurance. Whether you’re waiting for employer benefits to begin, approaching Medicare eligibility, or outside the ACA open enrollment period, these emergency health plans are a smart, fast solution. Coverage can begin as early as the next day and includes protection for new illnesses and injuries. While these plans don’t usually cover pre-existing conditions, they offer a lower-cost way to secure care when you need it most—especially in high-risk transition periods.
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At CoverCare Insurance, we help you compare bridge health insurance options from top-rated carriers, making sure the plan you choose matches your needs, timeline, and budget. Whether you’re looking for Medicare waiting period insurance, coverage during a job change, or fast health coverage after losing a policy, our team will guide you through the details. Short-term medical insurance offers a flexible safety net when traditional plans aren’t available—providing essential peace of mind at an affordable price. Let us help you find affordable short-term insurance that keeps you protected until your long-term plan is in place.
Short-Term Medical Insurance Plans
You can talk about Short-Term Medical Insurance Plans with the following specialists in any of our offices:
Related FAQs
What is short-term medical insurance?
Short-term medical insurance, also known as temporary health insurance, provides flexible, temporary coverage—typically from 30 to 364 days—to protect you during gaps between longer-term policies.
Who is short-term medical insurance right for?
Short-term medical insurance is ideal for individuals who are:
- Waiting for employer or Medicare coverage
- Between jobs or missed Marketplace enrollment
- Recent graduates, roommates leaving parent plans, or relocating.
How quickly does short-term medical insurance coverage start?
Short-term medical insurance coverage often begins within 24 hours to the next day of application—with only a few health screenings required.
What services are covered under Short-term medical insurance?
Plans typically cover emergencies, hospital stays, doctor visits, diagnostic tests, and sometimes prescriptions. However, they don’t include essential health benefits required by the ACA, such as maternity, dental, vision, or preventive care.
Are pre-existing conditions covered under Short-term medical insurance?
No—short-term plans typically exclude pre-existing conditions, meaning any condition you had before coverage won’t be covered.
Can I keep seeing my current provider with my new Short-term medical insurance?
Sometimes. Some plans allow any provider without a network; others use PPO networks—so check to ensure your doctor is covered.
Can I renew my plan when my Short-term medical insurance plan ends?
It varies by state. Federal rules now cap short-term plans at 36 months total, but many insurers don’t offer renewals. You may need to reapply upon reaching the term limit.
Do short-term plans qualify for subsidies?
No. These plans are not ACA-compliant, so you can’t get premium tax credits or cost-sharing reductions.
What are the risks of Short-term medical insurance plans?
Though often cheaper, coverage is limited—and may include caps on care, exclusions, and high out-of-pocket costs.
When should I consider taking a Short-term medical insurance plan?
Short-term medical insurance can be helpful when you need fast, low-cost coverage during transitions—such as job changes, moving, or waiting for Medicare or ACA enrollment.