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What is a short term health insurance in California?

A short term health insurance is an affordable, reliable, and flexible medical insurance designed for people without pre-existing conditions and with no permanent type of health insurances. This kind of health insurance can be acquired faster and quicker than other health insurances in the market. Some short term health insurance will only take overnight to approve and to be used.

California residents can acquire a short term health insurance plan from different kinds of health insurance companies. The cost or premium for such policies depends on the type of coverage and benefits available within the plan. The basic duration for this type of insurance will range from a minimum of one month to six months time upon purchase. Some companies can also offer up to twelve months period of time. This type of health insurance can be purchased by means of a single payment or by regular monthly installments.

This type of plan can also provide ideal health coverage for individuals in California that are:

  • Recently unemployed.
  • Students that are attending school, and newly graduates.
  • People that are waiting for a permanent health insurance.
  • People working on a part time job.
  • And people without a health insurance.

A person in California usually purchases a short term health insurance policy as a temporary coverage that will soon lead to a more permanent health insurance plan. This kind of plans does not generally cover and provide any preventive care, routine examination, dental or eye care, and immunization benefits. Plan holders are not protected by guarantee renewals and guarantee issues. This means that a short term health insurance policy has a limited time frame, and may or may not be renewed or purchased at some point.

So before buying a short term health insurance in California it is best to know that this type of policy is not intended as a substitute for a long term health insurance plan, but as an alternative for people lacking financial income, and for those who are currently unemployed.

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