What is Short Term Health Insurance & Where to Get It?

If you consider making a life change where you will temporarily lack long-term health insurance, you may want to consider short-term health insurance. Short-term health insurance can be used when you don’t have employer-sponsored health insurance or other long-term health insurance options. 

By paying $45 per month with Mira, you can get urgent care visits for $99, up to 80% discounts on out-of-pocket prescription costs, and same-day lab tests. Sign up as soon as you are ready to begin your short-term coverage.

What is Short Term Health Insurance

Short-term health insurance is used for gaps between employer-sponsored or other long-term health insurance options. These plans usually last anywhere between one month to one year. Short-term plans have no coverage requirements and vary by plan and provider.

Many short-term health insurance providers will limit the number of times you can purchase the maximum amount of coverage consecutively; this ensures that the company provides a range to those who need benefits for short periods of time, and those without insurance cannot take advantage of the program in the long term.

Some of the most common reasons for needing short-term coverage may include but are not limited to the following:

• Changing jobs or careers
• The gap between a parent’s insurance and your own
• Loss of employer-sponsored coverage options
• Attending college out-of-state
• Waiting on coverage under the Affordable Care Act (ACA) to begin

Short term medical insurance usually will cover the following expenses:

• Hospital room and board
• Emergency room visits
• Inpatient doctor stays

While other unexpected conditions may be covered, short-term health plans will never cover maternity or newborn expenses.