Short Term Student Health Insurance

Written by Jeremy Horelick
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Short-term health insurance is ideal for those who have gaps in their regular coverage. It is not, however, meant as a substitute for a full policy. If you're between jobs, on strike, or waiting for a new policy to kick in, a short-term insurance plan can see you through the waiting period. While most of the benefits such programs pay are extensive, there are a few things of which to be mindful.

Number one, most short-term plans are classified as indemnity plans. As such, they will cover you in the event of an emergency but won't necessarily pay the same dividends when it comes to preventive care. Many short-term policy-holders are surprised to find that they themselves must bear the full cost of simple care such as a routine checkup or exam.

Restrictions May Apply

A short-term plan is designed with stop-gap coverage in mind. Hence, there are often term limits that are strictly enforced by the insurer. These may range anywhere from a month or two to an entire year depending on the specific policy. Still, there are ways you can extend your benefits, especially if you're a college student.

One of the best perks of short-term student health insurance policies is that many are in fact renewable. So long as you remain enrolled in your program for up to a month after graduation you may continue to receive benefits, even after leaving campus. Insurers know that many students who are enrolled in their universities' health programs will soon have coverage through their employers. In the meantime, said students do not have to leave themselves vulnerable for the two- to three-month period in between.


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