Short Term Health Insurance in Texas

The short term health insurance plans are not an HMO or PPO plan. However, in the event of a sickness or injury, an insured person may receive treatment from any licensed healthcare provider or facility anywhere in Texas or even throughout the U.S.

Short term health insurance or temporary health insurance is designed especially for healthy individuals and families. It serves as a temporary solution while a change might be happening in the life of the insured person. Most of the short term health insurance plans in Texas last for one to six months and can be renewed for a total of 36 months. The most important thing to remember is that a short-term plan is not designed to cover pre-existing conditions.

Who needs short term health insurance in Texas?

1. Individuals who are temporarily out of work but still need medical cover
2. Employees who are newly hired and have not been enrolled in a standard group insurance
3. Recent college graduates who have exhausted their college medical plan
4. People waiting to qualify for a standard health insurance policy
5. Those losing dependent status
6. People on strike, military discharge and early retirees

How does short term health insurance works in Texas?

A short-term health insurance policy works like an indemnity plan. This means that you have the freedom to go to any doctor or specialist you like. However, most plans require that you obtain a pre-certification from your insurer before you are hospitalized. To be specific, surgery, hospital care, emergency services, diagnostic tests, prescription drugs, follow-up office visits and even limited mental health care could be included under a short term health insurance policy.

On the flip side, if you make a claim under short term health insurance, the insurer is very unlikely to renew the policy. Instead, a new policy might be offered. At the same time, if you feel that you have bought a wrong policy, you have, with most of the companies, the option of changing it. Most reputable insurers offer a 30-day guarantee of satisfaction and will refund full premium amount.