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What is Short Term Medical?

Short Term Medical is a form of health insurance is usually for the gaps in the permanent health insurance. Short Term Medical Term periods are usually for 1.3 or 6 months and some STM plans for up to 12 months. Short term health insurance is a good way to protect you or your family when you see one of the following circumstances.

Between jobs, if you were dismissed because of the recent economic changes or just between the employer and have a waiting period for employer benefits, you can immediately short-term medical care for about 1 / 2 the cost of COBRA.

Temporary or seasonal workers, employees Short-Term Medical may be suitable protection for the conservation of health insurance for those who are changing employers

Seniors Seniors who have retired and no longer the employer group and expect for the eligibility for Medicare.

Students graduate students who are no longer in question for a student or parents may be short-term plan for the medical gap before the search for a permanent employer plan.

Short term health insurance are affected by many of the same insurer, you can buy permanent individual or a group of plans, including Assurant, Aetna, United Healthcare and Golden Rule, Humana and Blue Cross Blue Shield. Consumers, many of the same features and benefits associated with permanent health plans, such as co-pays, prescription drugs, the choice of doctors, deductible options, hospital benefits, emergency services, surgery and transplants. These functions and services and the cost will vary according to the other insurers and should be reviewed. Most people take up to 65 years, as long as they drive a few fundamental issues of health If you have an existing medical condition or treatment, this can be excluded from the scope of your STM plan.

Important aspects to determine which plan is best

The determination of the plan best for you, but can be confusing, but most of all choose a plan that you are comfortable with the co-pays for deductibles and coinsurance communities. In general, a lower deductible will result in higher premiums (monthly payments), but less out of pocket for the deductible before the kick-off in the reporting to cover the difference. Look at the plans on the basis of the deductible and ensure that the plan covers all of the above mentioned services.

An example of a $ 15,000 medical treatment is as follows:

You choose $ 1000 Deductible

The monthly premium is $ 86.57

$ 2000 Co-insurance + $ 1000 Deductible $ 3000 total

Insurers paid $ 12,000 80/20 Co-Insurance

If you have $ 2,500 deductibles

The monthly premium is $ 67.33

$ 2000 Co-insurance + $ 2500 Deductible $ 4500 total

Insurers will pay $ 10,500

Consumers can typically purchase Short Term Medical for a licensed agent

Agents in the short term medical costs for the same can be obtained from the carrier, but the benefit to the consumer is educated and honest advice, or the ability to shop multiple carriers for the best plan from one source. Currently support the majority of agents working for technology to offer multiple listings directly from their website. You can apply directly to the institution "link and / or request the agent for you and take your registration by telephone. The long-term benefit to a broker is a resource who is familiar with the plans and the carrier service, if you need help or direction.

Chris Beard is a virtual insurance, the automated online brokerage and tele-service insurance to protect Florida families with health insurance and life insurance, and short-term medical plans. Visit his website for more information or to obtain a short-term health insurance plan. http://www.trinity1financialgroup.com Instant Online services: short term health insurance.