In a temporary health plan, you can choose how the coverage fits your needs or the needs of your family, select the deductible, coinsurance, and length of coverage. Typically, a California short-term health insurance plans offer coverage up to six months, although some medical insurance plans may offer coverage up to 12 months. So even if you only choose a one-month or twelve-months short-term health plan, you can have peace of mind with a sense of security and stability that you are protected if an expected medical circumstances arises.

The application process for temporary medical plans is usually simpler than standard, longer-term health plans in California. Before you obtain a short-term medical insurance, consider first that only unexpected accidents and illnesses are covered, unlike with standard health insurance offered in California and other states that have comprehensive coverage such as routine visits to the doctor, preventive care, immunization, and dental or vision care which are typically included in the standard medical health insurance package. Also, temporary health plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies in California and in other states, but, in general, short-term medical health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years.

License: 0K35870, 0184251, 0F91214, 0G00836, 0G76655