Good health is a lifelong need but there will come a time in life when staying in good health is darn near impossible for whatever reason. That’s usually going to be when people are older but being proactive in maintaining health can mean the onset of age-related poorer health is pushed back. People will generally be in better health when they’re younger and less need for prescription medication, but the reason people have health insurance is because you’re never guaranteed of it no matter what age you’re at. This leads to asking what are short term health care plans.

They are exactly what you’d think that sounds like – a health insurance plan that is only valid for a short period of time, and common examples of when someone would get a short-term health plan are if they are travelling outside of the county, or alternately if it’s someone who’s just in the USA for a short stay. It may also be a situation where there is a person who needs temporary health insurance to cover them until they are able to join or rejoin a company health plan. There are all sorts of other possible instances when a person may need one.  

And there are plenty of options out there, although they will be more expensive in the same way that temporary auto insurance is more expensive too. So you’ll want to be selective to when looking a short term health care plans and some of the ones that people often go with are from well-known providers like Blue Cross and Green Shield, but another plan that has the advantage of providing up to 3 years of coverage with just one application is from Golden Rule Insurance Company, a subsidiary of United Healthcare. 

Standard Considerations 

There are fewer regulations with short term health care plans than longer term ones in the USA, and because of that there are often major limitations to the plans that consumers will want to be aware of. We are not consumer protection experts here, but we do know quite a bit about how insurance works and what is needed to serve as a pharmacy benefit manager that can – among other things – serve as a central fill pharmacy. It’s often beneficial if employers with health plans can work with Canada Drugs Direct as a partner pharmacy.  

But back to those considerations you’ll want to be looking at when choosing short term health care plans. Any of the following may be a reason why the coverage isn’t going to work for you, and you’ll need to continue looking for a plan that does fit your needs: 

• Health history may result in coverage denial or causing higher premiums 

• Dollar limits for covered services  

• Pre-existing conditions excluded 

• No guarantee of coverage renewal  

• Essential benefit requirements for ACA-compliant polices not being met  

All of this aside it is quite likely you can find short term health care plans that will give you what you need, and remember that for any Rx medication needs you can always save money when you order prescription drugs from Canada.