People who come under the following categories are the most eligible and suited to take up short term medical insurance ? people who are switching jobs, people who are still deciding about medical insurance options, people who qualify for Medicare, people who are on COBRA and people who have graduated.

Short term health insurance is very essential as it provides protection against any illness or injury sustained during the coverage period. Usually short term health insurance plans do not offer protection against physicals, immunizations, dental or vision care, pre-existing medical conditions and preventive care.

People who are residents and citizens of U.S and less than 64 years qualify to purchase short term health insurance. It is mandatory for all the people who are interested in purchasing this plans to fill in their details in a short health qualification questionnaire to determine their eligibility for the plan.

Short term health insurance covers various factors such as, tissue or bone marrow transplant, & Surgery Fees, Outpatient Doctor Office fees and Diagnostic & lab fees.

Short term health insurance needs to be bought for a time period of at least 3 months and the maximum time period for which it can be bought is 12 months. Depending on the plan, benefits up to a maximum of $1-2 million are offered to insurers.

There are various companies that offer short term health insurance plans and the policies and coverage are subject to change, depending on the plan. We have to go through all the plans and then select a plan that can satisfy all our requirements.

Some of the short term health insurance plans are - Golden Rule United Healthcare Short Term Insurance, Secure 12×3 Short Term Medical Insurance, Assurant Short Term Health Insurance and Secure Short Term Medical Insurance.

Assurant Short Term Health Insurance plan can be purchased for a minimum time period of 30 days and a maximum time period of 360 days and offers coverage for U.S citizens and their spouses who are under the age of 65 and are not eligible for Medicare. Coverage is also available to their children who are under the age of 19. Non US residents must have resided in the US for at least 12 months. The other Short Term Health Insurance plans also have similar terms and conditions.