Everyone knows about traditional health insurance with its co-payments and premiums and prescription discount plans. But you may not be able to get traditional health insurance. You may be between jobs, or your employer doesn't offer full benefits, or maybe you are still going to school. You would like to have traditional health insurance but you just can't get it. But there is a way to protect yourself from the unforeseen accident or illness, and this is called short-term health insurance.

Short-term health insurance fills the gap in health insurance coverage that may come about for a number of different reasons, including those listed above. The idea of short-term health insurance is built into the name - it is a short-term solution offering short-term coverage, with the expectation that at some point, you will begin or resume traditional health insurance coverage. It is designed for those who would like some coverage in case of accident or injury and covers only emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care. Though policies vary, these are often standard in short-term health insurance coverage. However, short-term health insurance does not cover regular physician visits, nor do they cover pre-existing conditions. If you're looking for this type of coverage, consider obtaining a traditional health insurance policy or even looking into other options instead.

The price of a short-term health insurance plan can range from around $25 to $100 per month. The monthly premium is largely dependent on the deductible you choose. These deductibles can be from $250 to $5,000. The amount covered by these policies is usually a reasonable sum - up to one or two million dollars. The coverage term is variable and you may select a certain number of days or months, but generally no short-term policy will cover more than a year.

What is the process to use to find short-term health insurance? The easiest way to start is to search the internet for companies that offer coverage in your area. This will also make it easier for you to compare policies of different insurers via instant health insurance quotes. You will need to compare features such as maximum pay-out, deductibles, hospitals and doctors in the plan and other features.

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