- Short Term Medical –
Short term medical is a form of temporary insurance for the transitions in life where you may have gaps in your health and medical coverage. Whether your:
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Between Jobs
- Considering short term medical when your between jobs, is a much more affordable option rather than choosing COBRA and in most cases with short term medical you can receive next-day coverage.
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A Newly Independent Young Adult
- Short term medical coverage is great if graduating from college or just starting a life of your own. For young adults who are no longer eligible for health insurance through their parent’s or student health insurance plans, short term medical insurance is an affordable solution to make the transition more comfortable until they can receive permanent insurance.
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In a Waiting Period For Employer Benefits
- Starting a new job is an exciting time, especially when they offer an employee benefit package with health insurance. Unfortunately most new employees are subject to a waiting period before they are eligible. Short term medical is a perfect solution to help fill this gap so you can worry about working hard at your new job and not your medical coverage.
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Or Maybe Your a Temporary/Seasonal Employee
- For many temporary or seasonal employees, employment schedules can be very unpredictable. This makes it difficult to maintain constant medical coverage, short term medical coverage is a flexible and affordable solution to help suite you specific needs.
Short term medical is not just some second rate medical insurance for insurance companies to make an extra buck off you in your times of need. Short term medical insurance is a sound solution to take the place of permanent health insurance for short periods of time when permanent health coverage is unavailable. Short term medical coverage is comparable to most permanent health insurance solutions that includes many plan features such as:
- Doctor Visits
- Unexpected illnesses and injuries
- In most cases you can keep you own doctors
- With many plans you can receive discounts for using network doctors - Hospital Benefits
- Including both inpatient and outpatient services
- With many plan you can receive discounts for using network facilities - Emergency Room Care
- Ambulance Benefits
- Outpatient Service Coverage
- Prescription Drug Benefits
- X-ray and Lab Fee Benefits
- Transplant Benefits
- An Array of Deductible Choices
- Most plans offer tons of flexibility in deductible amounts - High Maximum Coverage Amounts
- Short term medical plans with maximum coverage amounts of up to $2 million+
Short term medical can insure you, your spouse, and/or your dependent children. We recommend that anyone with a pre-existing condition, should look into Individual Medical coverage or consider COBRA. With most plans, each person you would like to cover must be between the age of 30 days and 64 years old. All children you would like to consider as dependents in your short term medical coverage must be under the age of 25 (and in most cases, this age is regardless of their student status).
As briefly stated above, most short term medical plans do not cover pre-existing conditions. Most plans consider a pre-existing condition to be a medical condition due to sickness or injury that you have received medical treatment or advice for during the 4 to 5 year period immediately prior to your short term medical effective date (regardless of whether or not the condition was diagnosed).
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No matter what your reasons for considering a Short Term Medical plan…you can trust that Hicks Insurance will help you find the best solution for the best price that fits your personal and financial needs.
- Call Hicks Insurance -
(281)812-1876
Hicks Insurance – Humble, Texas – Life – Term Life – Whole Life – Universal Life – Short Term Medical