Short-term medical insurance is far less expensive when matched up against a typical health insurance plan. If you are fairly young, and in good physical condition, you may want to consider getting short-term health insurance as opposed to a more extensive health insurance plan.

With many short-term health insurance plans, the monthly premium you owe to the company is quite low compared to the hundreds you would pay with a standard plan. Short-term health insurance doesn't offer a lot of the benefits that you get with a standard plan.

Instead of having visits fully or partially paid by your health care network, you will have to pay all fees for all non-emergency doctor's visits and elective surgical procedures. Expenses for prescriptions and ob-gyn appointments are not provided for by short-term health insurance.

Costs related to maternity and delivery are not covered by short-term health insurance plans either, though you may be eligible for coverage from other sources. If you encounter a serious medical emergency, your short-term health insurance provider will compensate you up to a certain amount after you have paid the deductible.

Your monthly premium will be lower if your deductible is higher. Nearly all short-term health insurance plans have a max of less than one year. After the year period, you can still get coverage from another provider. If you want to explore your options just use the Internet for a full list of options. Short-term health insurance is not suited for most people.

If you have medical problems, and need to regularly purchase expensive prescription drugs, you should probably sign up with a standard health care provider who will help you cover these bills. If you don't have health insurance through a job and want a cost-effective alternative that covers you in the event of an emergency, short-term health insurance may be the best choice.

The request procedure is uncomplicated and policies can be offered within 24 hours. Most insurers take credit card payments. The most important thing to remember is that a short-term plan is not designed to cover pre-existing conditions.

These are typically defined as any condition you had during the 36-month period prior to the start of coverage. The "look-back" time at these conditions varies state to state. You can find out all of the laws by contacting your state's insurance department. Every short-term policy has extremely detailed limitations and exclusions, so examine the policy carefully before you purchase.