Short Term Health Insurance South Portland ME
Short Term Health Insurance
Short Term Health Insurance
Sometimes, we need short-term health insurance. You may have just graduated from school, or left a job, and need to get your own insurance on a temporary basis while you job hunt. Maybe you've actually got a new job, but your employers group health has a waiting period. These are good times to consider short-term health insurance if you can get it where you live.
Short-term health insurance is just what the name implies: health insurance for a short term, usually 30 days to 180 days, although some plans will offer coverage for up to 12 months. If your short-term needs look like they may run longer than your coverage, you may be able to renew. However, you can't count on a short-term plan to provide insurance for more than a year.
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Short-term plans usually provide all the same basic kinds of benefit's that you would expect in any health insurance plan. However, also like other plans, you may have to cope with benefit limit's, deductibles and co-payments. In most cases, you'll be allowed to pick your own doctors, hospitals or health-care providers. Most of these plans rarely require a physical exam and coverage can start as soon as your first premium is received. However, because of the easy application and acceptance, most plans also won't cover any previous medical conditions.
To keep the premiums on these kinds of plans down, you won't likely get all the benefit's of a permanent health insurance plan. Aside from the restriction on pre-existing conditions, you'll also find that most won't cover routine medical exams, preventative care,...
Maine State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: acupuncturist, AIDS/HIV testing/vaccine, alcohol/substance abuse treatment, ambulatory surgery centers, ambulance transportation and services, ambulatory cancer treatment, birthing center/midwife, breast recontruction, breast reductiion, cancer pain medication therapies, cervical cancer/HPV screening, chiropractor, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, dependent student/adults, noncustodial children or stepchildren, domestic partner/civil union), diabetic supplies, facility (public or other), family therapist, habilitative service for congenital or genetic defects, hearing aids for minors, home health care, hospice care, mammography, marriage therapist, mastectomy (including minimum stay), maternity minimum stay, mental health, nurse (first assistant, midwife, anesthetist, practitioner, psychiatric), off-label drug use, optometrist, orthotics, pastoral counselor, PKU/metabolic disorder, prostate cancer screening, prosthetics, psychologist, rehabilitation service, social worker, telemedicine, varicose vein removal