How Quickly Can I Get Short Term Health Insurance?

Are you in between health plans and looking for temporary medical coverage? Short term health insurance comes in handy when you want to protect yourself and loved ones from medical problems and save money on medical bills.
Your medical bills will be covered in case of an emergency, but you must know how it works for you to get the most out of this plan. Here is a guide that will help you understand how quickly you can get covered with this medical plan and other caveats to consider before signing up.

What is short-term health insurance?

Short term health insurance is a coverage plan that lasts less than a year, but it’s helpful when you have not chosen a long term plan. It covers a wide range of doctor visits, urgent care, emergency care, preventive care, and prescriptions.

It will help if you read all the limitations and exclusions on the medical plan before purchasing a short-term health plan. This information will tell you if you are covered or not and help you budget.

How quickly can I get coverage with short term health insurance?

Short-term health insurance takes effects as fast as one day after your first payment, but that doesn’t mean you have to wait until you get hurt to apply. Even if you are healthy, it will help to use today, knowing you might need it tomorrow. It’s hard to predict when you will be sick, thus need to be prepared.

• Next day coverage

After applying for this plan today, your application details will be processed, and reliable and most short term insurers will start covering you as soon as the next day. This coverage is nearly too immediate and can help quell all your fears of being uninsured.

• Waiting periods

At times people take advantage of short-term health insurance; thus, insurance companies have imposed waiting periods. If you have an existing problem such as cancer, you might have to wait for more than a month for the policy to be effective.
You should apply sooner than later for it to be useful when you get sick. Waiting for a month is not ideal in any situation; therefore, it is recommendable that you apply early if you want a short-term coverage plan that takes one to twelve months.

• Preexisting conditions

After applying for your short term health insurance, then on the next day, you send the company a medical bill, they might question your condition. In such a case, they might request your medical records to confirm that your situation is new and one existing. In case you lied about an existing decision, they might deny you coverage. Before signing up a short term health insurance, give the right details, and be ready to share your health records. However, if your case is real and new, you will be covered immediately.

Special enrollment period

The time of purchase determines how long it will take for your insurance cover to be effective. You should know the steps to follow to avoid any confusion when you need your medical bills paid. It can be devastating when you send a medical invoice to a short term insurance company only to find it’s not practical.

During a nationwide enrollment period, you can enroll in a short term health insurance to buy a particular medical plan. If you lost your job, which in turn led to losing your employer-sponsored insurance, you are indeed qualified for a specific enrollment period.

During this period, you can choose to purchase an individual health plan and have peace of mind knowing you are covered. However, not paying your premium doesn’t give you the same opportunity. Such programs are open at a specific time of the year.

To qualify, you need to have a mid-year life change, such as having a newborn, marriage, or losing your job. If you have such cases, you can quickly sign up for these programs to be covered for a short time. This plan ensures that you are protected at all times, even after losing a long term coverage.

When do I need short term insurance cover?

• Living a healthy life
If you don’t have a regular prescription, this health plan is worth it, as it will help you when you have an emergency or immediate coverage. Almost everyone with such a condition needs this health insurance to keep you safe and cover numerous problems.

If you visit the doctor any day, you are guaranteed coverage, and you don’t have to wait until when sick to apply.

• Undergoing employment change
After losing your employer’s medical cover, you can get primary medical coverage in the form of a short-term insurance plan, which will help you in times of need.

• Studying
As a student, you need short term insurance to cover you during your time at the instruction and have it whenever you need it. Also, when waiting for pre-Medicare, you can use this insurance plan in the meantime.

Bottom Line

Almost everyone needs short term insurance cover after a significant turnaround in your life. This medical plan takes a short time to mature; therefore, you can rely on it to see a doctor or pick a prescription.


How To Get Dental Implants Covered By Insurance?

If any of your teeth need replacing, dental implants are the ideal solution. However, this is a more costly option than other tooth replacement methods. The majority of dental insurance firms only cover a tenth of the treatment charges for implants, or even less. Insurance policies tend not to cover surgical phase (implant placement) costs, but might cover part of the restorative phase costs. In such situations, policies will only offer reimbursement for crowns (tooth restoration) in the same way they do when normal teeth are repaired.

With an average cost of $4000 (and a minimum fee of $1500), lots of patients with missing teeth can not afford the luxury of dental implants. Here’s what you need to know to get yourself fully protected:

Understanding What Your Insurance Covers

Dental implants can improve your self esteem and oral health considerably, however you should be aware of what your specific treatment plan involves. In particular, you should know what your out of pocket expenses will be, prior to going ahead with the surgery. Of course, your insurance firm can explain what elements of dental implant surgery are included in your policy. Nonetheless, according to the AAOMS (American Association of Oral and Maxillofacial Surgeons), both dental and medical insurance might cover some aspects of your dental implant operation. This all depends on the type of procedure you need and your policy.

For instance, if there are medical complications arising from your tooth loss, your medical insurance could cover certain parts of the implant procedure. Dental insurance plan holders might discover that their plans cover crowns used to replace normal teeth in implants. Moreover, when implants are needed due to accidents, insurance policies that pay for injuries might cover dental implants.

Discuss the scope of your procedure with your dental surgeon. As well as the regular implant operation — where metallic posts are inserted into the jawbone, enabling them to fuse with the bone, and a crown is fitted onto the posts — you might need extra steps. Sometimes, a bone graft might have to be placed into your jaw, or some of your teeth might need extracting before a surgeon can fit the implant posts. In addition, you might need an anesthetic during your operation. These elements can increase the total fee, and insurance might not necessarily cover each part of the treatment.

The Cost of Dental Implant Insurance

Numerous insurance firms provide cover for dental implants, in conjunction with your standard dental insurance. Typically, premiums vary from one person to another, depending on variables like your present health status, the quantity of implants you have already, and whether you smoke. While researching insurance options for dental implants, compare the costs closely depending on what each policy covers. The factors listed below should be taken into account:

-Certain policies offer reimbursement for the restorative and surgical elements of the treatment, however this is capped at a predetermined amount for the year.

-As already stated, even if you take out an insurance policy, providers are unlikely to cover your total dental implant costs. Instead, they will probably pay a set rate for each type of treatment, or part of the total cost.

-If any of your teeth are already missing before you buy an insurance plan, check to see whether there are any terms excluding cover for treating preexisting conditions. If there are, your additional paid cover will be of no use for this purpose.

-Many insurance policies have an excess, or a certain amount you need to contribute, before they pay anything towards your treatment.

-Find out whether the plan covers post operative and preoperative procedures that might be needed (like bone grafting), or other dental issues that might arise from complications.

-Find out whether the insurance firm will pay the retreatment costs, in the event of a damaged implant.

-A further issue is the terms regarding the period you need to wait, prior to undergoing treatment. Opt for an insurance policy with no waiting period, or a waiting period that is shorter than the typical twelve months stipulated by most plans. This is vital, if you intend to undergo treatment in the near future.

How to get Dental Implants Covered by Insurance? – Final Thoughts

Coping with missing or decayed teeth has a negative impact on your mental and physical health, however you can avoid having to put up with this. Dental implants will restore your natural appearance. Regardless of whether implants are covered by your existing dental insurance policy, you can still take advantage of this cover in an affordable way. CleverPolicy offers dental insurance plans that significantly reduce the cost of root canal operations. Moreover, the firm allows customers to book low priced, preventive appointments every couple of months to stop this problem from returning. Preventative care is an effective way of avoiding the onset of serious problems that are expensive to treat. With a good policy, it does not cost much to visit a dental practitioner frequently. Moreover, you can save a lot of money over the long term, because you only have to pay a modest premium each month.


Is Short Term Health Insurance Available For Families?

Short-term health insurance is offered to individuals through associations and non-group markets. The product is for those that have a gap in their health coverage. For someone who is looking for temporary cover, affordability, or immediate coverage, short-term insurance is what you need.

Typically, short-term health cover offers insurance for less than one year. Research shows that most of the young families favor short-term insurance. The affordable monthly premiums attract most of them as they average $ 109 for an individual and $ 264 for families.

Things You Need to Know About Short-term Health Insurance

Is short term health insurance available for families? Healthier and younger people favor temporary health insurance for their families more than the older folks. The fact that it covers unexpected illness for a short time makes it attractive to these two demographics. The short-term coverage offers solutions to those who want an affordable way of getting protection from emergency medical bills for themselves and their families.
Additionally, it will offer proof of coverage that is necessary for one to participate in various vocations. Short-term insurance has modest premiums, it is easy to apply, and no waiting for enrollment makes it attractive to many people.

As a consumer, you need to have extensive knowledge of the cover before buying it for you and your family.

• Through the Affordable Care Act, you can only purchase the cover for three months at a time. However, legislation is ongoing to take the short-term insurance limit to the initial anything within one year.
• Short-term medical policies cover unexpected medical expenses. They will not cover maternity, pre-existing conditions, and wellness care.
• The policy starts to cover you almost immediately you buy the package.

Times You Should Consider Short-term Health Insurance

• When you are suffering financial constraints and cannot afford marketplace insurance
• When you do not qualify for special enrollment or miss the open enrollment of the current year
• When you are on a temporary stay in a foreign country
• When you are waiting for a group medical insurance
People Who Can Significantly Benefit from Having Short-term Health Insurance:
• Families who do not get an open enrollment for the ACA marketplace
• Young people who have attained 26 years and are off their parents’ plan
• An employee who is waiting for a group medical cover to begin
• Seniors who attain the age of 65 and have to wait for their Medicare

Benefits of Short-term Insurance for Your Family

There are several gap health insurance plans in the market. They will give you a wide variety of deductibles, policy top choices, and coinsurance.

Easy and Quick Application
Applying for a short term health insurance is straight forward. You go online and fill in the application form on the website. The approval is quick, and it can happen in a matter of hours.

Low cost
Temporary health insurance costs are significantly less compared to ACA health insurance plans. An example is if you are a single male and enroll in maternity cover for an ACA plan.

You do not need it but still, pay for it.In such a case, short-term health insurance comes in handy as it will not cover maternity. You will use the extra money to buy other coverage you may need, such as vision or dental. Temporary health insurance comes in handy for you and your family if you are undergoing harsh economic conditions.

Year-round Availability
The ACA insurance plans are available once a year in an open enrollment period. If you miss a chance to enroll during this period, you will not have a medical insurance cover. You will not qualify for enrollment outside enrollment unless under exceptional and limited circumstances.
However, you can purchase short-term medical insurance at any time.

Cancel Anytime
You can cancel your temporary health insurance at any time without penalties. If you make your payments monthly, you can stop doing so if you no longer need the services. Moreover, there are some plans where you will receive your unused premium back if you terminate coverage before expiry.

Wide network
In many states, individuals and families do not have PPO plans from their ACA insurance covers. Most of the ACA insurance plans only have the HMO. That means you will have to visit a primary care physician who will later refer you to a specialist.

Additionally, the HMO plans do not offer any out-of-network coverage. Having a narrow network of hospitals and fewer doctors is a significant disadvantage. On the other hand, a short-term health cover provides a broad PPO network, and you can visit a health care provider of your choice.

Urgent care
Most of the short-term medical insurance will waive deductibles when you need urgent care. You will only have to pay for the co-pay. You and your family members will benefit a great deal in case of an emergency.

Immediate Coverage
Temporary health insurance starts as early as possible, or any date you propose.


You can get the coverage you are looking for using short-term health insurance and drop it when you get a more permanent solution. You will get a chance to cancel it anytime you want, and you will not have to worry about paying two premiums once you get another cover.


How Does Short Term Disability Work?

You would be a good candidate for short-term disability insurance if, through chronic medical issues, an injury, or an illness of some type, you are unable to work for some time.

What Exactly is Short Term Disability?

You can get this type of insurance either through your employer or independently, via a private insurance plan. Although many people have the idea that it’s easy to get short term disability, there are certain things that could result in applications being rejected or benefits being terminated. The trick is to be well prepared if you are thinking of applying for this type of insurance.

How Do you Know if you are Eligible for Benefits?

It Depends on the type of plan that you have, as there can be many different requirements to qualify. Each insurance plan has a different set of rules regarding what is needed in order to qualify. Here are some of the possible requirements:

  1. A minimum period that one has worked for their employer.
  2. A minimum period of disability – normally 8-9 weeks.
  3. Being employed full-time.
  4. Frequent medical updates.

Each plan’s requirements will be different but in most cases, you will be required to have some condition that will prevent you from being able to do your job for a long period of time, normally anywhere from two months to one year. Each plan does have what is called an “elimination period”, which is basically a waiting period before your benefits will start. You could have to use some of your sick days while you are waiting for this period to pass.

What Qualifies as a “Disability”?

There is no hard and fast definition that applies. It all depends on the policy or plan that you choose to take out. Generally speaking, it would be an illness or injury that would cause you to not be able to work.

It could be a major surgery that requires a long recovery, childbirth, or an injury caused by an accident. It is vital that you check what your plan covers if you wish to make a claim.

Does Mental Health Get Covered?

It is possible to get cover for mental health issues like depression, or any other type of mental problems that cause you to not be able to perform your duties at work.

You will need to check your plan and most companies will need to see proof that there has been a problem that has lasted for a long time. Before attempting to take leave from work, you should already be seeing a psychiatrist, as this will show that it is a real problem that needs to be covered.

How Much Time Will you Get Off With Short-Term Disability?

The amount of time that you will get off will depend on the plan that you have chosen. The duration can be anywhere from one month to one year, again, depending on your plan.

The amount of time that you will get off will depend on the type of problem that you have. Medical practitioners have guidelines that your employer can access, in order to know how long you will not be attending work. Any kind of disability that requires more than this amount of time off work, will then fall under long-term disability.

How Much Will You Get Paid?

When the time comes that you need to make use of your short-term disability benefit, the time that you are not at work will be paid, but you may not get the full amount.

What amount you get will depend on the plan that you have. Some offer the full salary and some do not. Most insurers will offer you between 60% and 70% of your usual weekly or monthly salary.

Some programs award you amounts depending on how long you have been with them, so it is important to make sure that you know from the beginning what you are covered for.

Should you live in a State where short-term benefits are required, then the amount you receive will also be regulated

How Often Will You Get Payments?

This is another Grey area, but you will be able to find all the information that you are looking for in your policy documents.

If the business that you work for is working with the insurer, the payments will normally be done by the insurer, therefore you might not get your payments on your standard pay date.

How Do You Apply for a Short-Term Disability Claim?

The first step that you will need to take is to get your injury or illness documented, as you will need medical backing. Once you have seen your Doctor, the report will then be reviewed by the insurance company.

The next step is to get your HR department to start the process of the claim. If the company that you work for does not have an HR department, then you should report to the manager who should be able to assist you with submitting your claim.

Lastly, be sure to check how long the elimination period is before making a claim. You do not want to use the time that could have been covered by sick days.


What Is Supplemental Life Insurance?

Recent research from the Life Insurance and Market Research Association shows that about 30% of people with life insurance coverage only carry employer-sponsored life insurance. The most common type of employer-paid life insurance is group term life insurance, which offers coverage up to a set limit, such as $50,000 or two times your salary, depending on the plan. According to experts, this is hardly enough. More specifically, experts suggest that your death benefits should be 10 to 15 times your salary. This is where supplemental life insurance coverage comes in handy. Here’s everything you need to know about this topic.

What is Supplemental Life Insurance?

Otherwise known as voluntary supplemental life insurance or voluntary life insurance, supplemental life insurance is a type of life insurance policy that you can use to bridge the life insurance coverage gaps left by an employee-provided group terms life insurance policy. Most employers offer supplemental life insurance coverage as an optional feature on a standard basic group life insurance policy as a way of increasing employees’ death benefits.

Type and Amount of Supplemental Life Insurance Coverage

As mentioned above, supplemental life insurance is essentially an employee benefit. For this reason, the amount and type of supplemental life insurance coverage typically varies from one employer to another. For example, some employers offer a choice between whole life and additional term insurance coverage, while others allow employees to add riders to their group life insurance policy. Still, for other employers, voluntary life insurance may refer to supplemental accidental death and dismemberment (AD&D) or burial coverage.

Supplemental Life Insurance – Coverage Limits

Similar to your employer-provided group life insurance coverage, most supplemental policies have coverage limits. Beyond these limits, which typically vary from one employer to another, your insurer may require you to provide more information, including your health and financial records. To adjust your policy, you do not necessarily need to use a private insurer, which can be a complex process. Instead, you can increase or decrease your coverage during open enrollment. It is also worth noting that if your policy is portable, you may be able to take it with your when you change employers or even lose your job, which is something you cannot do with most basic group life insurance policies.

Cost of Supplemental Life Insurance

In general, the cost of a standard supplemental life insurance policy depends on various factors including, among others, your age and your employer’s contribution, if any. To determine your rates and premiums, many group insurance companies will not put you through underwriting. Instead, they will use age ranges. Similar to other life insurance policies, younger policyholders enjoy lower rates compared to older policyholders. In addition to your age, insurers also base your premiums on your overall health. More specifically, if you decide to skip the insurer’s risk and health evaluation, expect to pay higher premiums. To put it another way, a voluntary life insurance policy for a guaranteed issue typically tends to be more expensive than an underwritten private policy. On the tax front, your beneficiaries may have to pay tax if the death benefit from your group life insurance exceeds $50,000. Additionally, if you purchase a supplemental life insurance policy for a dependent or a spouse with a face value of $2,000 or more, the entire pay out could be subject to tax.

Alternatives to Supplemental Life Insurance

While employer-sponsored group insurance policies may work for some people, they may not work for others. Fortunately, there are other ways to get voluntary life insurance coverage without necessarily going through your employer. Some of the common alternatives to employer-paid life insurance plans include:

• Permanent or private term life insurance — Granted, the process of getting this type of coverage is typically more complex compared to the process of joining an employer-sponsored life insurance plan. However, if you want additional coverage than your employer offers, then getting your own permanent or term life insurance coverage is arguably the next best option. It is worth noting that while both whole life and term insurance coverages may require your health data, you can choose no-exam insurance or accelerated underwriting option, allowing you to skip the medical exam part. Take note that a private policy is a portable policy, meaning you can take it with you when you lose your job or change employers. Additionally, a private policy is typically less expensive than a supplemental policy, and its premiums remain stable throughout its policy period.

• Life insurance riders — Insurance riders are policy features that allow you to adjust your coverage. Put differently, you can use riders to increase coverage for an existing life insurance policy either for yourself or for your loved one. For example, you can use riders to increase your coverage for child coverage or long-term care, albeit in small amounts. Take note that some insurers charge for riders while others do not, meaning it depends on your life insurance policy.

• Standalone private policies — If you’re looking for a specific type of supplemental life insurance coverage, such as an AD&D policy, then a standalone private policy is a good options. Depending on your health status, a standalone private policy can be less expensive than your employer-sponsored group life insurance policy.


Almost all employer-sponsored health insurance policies have huge coverage gaps. To cover those gaps, employers offer supplemental life insurance as part of employee benefit.


What Happens If You Get Cancer And Don’t Have Health Insurance?

What happens if you get cancer and don’t have health insurance? The answer can be bleak because cancer insurance covers the catastrophic expenses of treatments and medications when cancer touches your life. When you don’t have insurance, anything you own can be liquidated to pay medical bills.

The Overwhelming Cost of Health Care

if you don’t have cancer insurance, the cost of even routine health care becomes astronomical. A diagnosis of cancer doesn’t have to be fatal — more and more people survive cancer with advanced treatments. However, the costs of advanced treatments when you don’t have insurance can disrupt your financial security and change your lifestyle dramatically. Some of the typical expenses you face if you don’t have health insurance include:

• Tests and screenings that include mammograms, colonoscopies, etc.
• Costs of confirming diagnoses of different cancers, such as breast, ovarian, lung, kidney, skin, throat,leukemia, brain, neck or colon cancer
• Procedures that include imaging, surgery, reconstructive surgery, reproductive therapies and getting a second opinion
• Cancer treatments, such as chemotherapy, immunotherapy, radiation therapy, hormone therapy, nutritional planning, experimental treatments, etc.
• In-person care at hospitals, clinics, hospices, nursing homes, intensive care and ambulatory cancer centers
• Travel and lodging expenses
• Costs of transportation by ambulances and air ambulances

If You Don’t Have Health Insurance, Get Covered for Cancer

Even if you don’t have regular medical insurance, you can get a policy that covers cancer, the most expensive of common health problems. If you don’t protect yourself from the overwhelming financial costs of treating cancer. You might even want to consider getting cancer insurance even if you have regular health insurance.

Many cancer policies pay out lump-sum benefits in addition to any other insurance you might have. That can come in extremely handy because you might be unable to work, and the financial challenges of cancer are all-pervasive, increasing costs in every area of your life.

Cancer generates extreme financial hardships for most families at the worst possible time. Money struggles can aggravate cancer symptoms and compromise effective treatment by increasing stress levels. A CBS news report found that people who develop cancer are more than 2.5 times more likely to file for bankruptcy. Younger cancer victims are even more likely to go bankrupt.

Cancer survival rates continue to rise, but patients universally struggle with the high costs of treatment. The monthly cost of cancer treatment drugs runs as much as $100,000. Your out-of-pocket expenses could be extremely expensive, and some victims are simply priced out of hope for a cure or remission. The Mesothelioma Center reported that 63% of cancer patients struggle with costs.

Low-income Families and a Cancer Diagnosis

Low-income people and other Americans who are uninsured or underinsured face medical bills that run more than 400% of their annual income. Many victims become unable to work for some time after a cancer diagnosis, and these families simply can’t keep up with the continually rising costs associated with cancer treatment.

Even insured families face financial hardship based on co-pays, deductibles, out-of-pocket expenses related to cancer and the reduced ability to earn a regular income. Family members also generate expenses for hospital visits, time off work, travel and other incidentals.

Why It’s Essential to Take Out Cancer Insurance for Financial Stability

Cancer insurance provides essential coverage for all the expenses you face after a diagnosis of cancer. This affordable insurance can literally be a lifesaver for cancer victims who need to marshall all their resources to fight the cancer. Financial hardship should not be added to your burden if you have cancer.

Most people can’t conceive of the costs of cancer treatment, and the financial hardships can adversely affect your lifestyle, financial security and attitude. Cancer insurance provides affordable protection against the risks of cancer, and even low-income families can afford to get cancer insurance through work or an independent policy from the federal insurance marketplace.

What to Do If You Don’t Have Health Insurance

If cancer happens in your family, you’re faced with one of the most stressful situations in the modern world. The fact that cancer can be beaten forces families to pursue treatment, and the costs just keep going up. If you don’t have health insurance, you face an uphill battle.

The first step is to find a knowledgeable and empathetic financial advisor to act in your best interests. You can find free advice online from locally based experts who can help you find ways to cover treatment expenses. If you don’t have insurance or enough insurance, don’t assume that you can’t afford treatment or get financial help. Some of the possibilities for financial help include:

• Applying for assistance at your local hospital or cancer treatment center
• Applying for Medicaid
• Volunteering for experimental treatments
• Checking out nonprofit cancer-treatment organizations like CancerCare, Road to Recovery, Leukemia and Lymphoma Society, American Cancer Society and Cleaning for a Reason
• Researching local charitable organizations and health department programs for grants and other types of financial assistance
• Checking out St. Jude’s Hospital programs for children with cancer
• Crowdfunding pages on Facebook
• Researching state resources for financial assistance, which vary by state
• Enlisting local church support
• Looking for grants from organizations like and others

The Patrick Dempsey Center for Cancer Hope & Healing can often point you in the right direction. Although the group is located in Lewiston, Maine, the center can provide referrals to similar organizations in your area and share education, support services and integrated medicine for any cancer victim.

You might face a tougher battle finding financial support if you’re in the middle class than you would if you were poor, but help is available for anyone. Those who are in the middle class should take note and begin researching cancer insurance policies to manage the risk of facing the high cost of cancer.