|Short Term Major Medical Insurance In The Us
| Short term major medical insurance is available in the US and it is for those people who are in between permanent health plans. Short term major medical insurance in the US is primarily a temporary medical insurance and it is ideal for people who are unemployed, between jobs, retired or who have just finished college and are waiting for a job.
There are many insurance companies in the US that provide short term major medical insurance and you get most of the insurance benefits while paying competitive premiums.
Short term major medical insurance in the US is ideal for the following people:
- People who are 65 years or younger and are not eligible for Medicare
- Children aged between 2 years and 18 years
- Full time students who are under 25 years of age
- Children who are 19 years and above but are dependent on their parents
In a short term major health insurance in the US provide benefits up to $2 million and the deductible amount varies from $250, $500, $1,000 to $2,500. Usually these plans provide a 50/50 copay coverage where you pay for half of the treatment and the insurance company pays the other half. You can also opt for a 80/20 plan where you have to 20 percent and the insurance company pays the rest. However, short term health insurance plans usually do not cover preventive care, routine medical examination or pre-existing medical condition. Even work related conditions are not covered by short term health insurance.
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