1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Short-term health insurance covers major medical expenses, the ER, Urgent Care visits, along with office visit and prescription drugs. Depending on the carrier, there may be a deductible, coinsurance, or copay that applies to specific benefits. Inpatient and outpatient surgeries are also covered, along with typical expenses that are associated with hospital claims.

    Rates are typically very inexpensive, since not all ACA Legislation-mandated coverage is included. However, temporary plans provide cheap stop-gap coverage when three months (or less) of benefits are needed. If longer periods of coverage are needed, you can re-apply for an additional policy, although underwriting is typically required.

    Many larger insurers offer this type of coverage, which may be ideal if you miss the Open Enrollment deadline. However, if eligible for Medicare or Medicaid, this option should not be considered.
    Answered on June 19, 2017
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