Short Term Health Insurance Brokers and
Companies

Short term health insurance brokers and companies assist customers in obtaining medical coverage for a specified period of time. While these policies are not designed to be permanent solutions, they can be the perfect solution for a temporary gap in health insurance coverage.

Not all insurance companies offer short term health policies. This is a special kind of medical insurance that is only for a specific amount of time and usually does not extend past a year or two unless an extension of the policy is requested by the policyholder and approved by the insurance company.

Despite the fact that this type of insurance is not offered by all health insurers, there are still plenty of short term health insurance brokers and companies.

Insurance brokers specialize in finding the best insurance coverage for the lowest cost. They do this by having a working relationship with a variety of insurance companies as well as the capability to send out a request for coverage en masse. Insurance companies willing to offer a short term health insurance policy then send the policy details and cost back to the broker, who then compares the results from all of the companies and then discusses the options with the client.

Local insurance representatives may act as brokers on your behalf, but may want a fee for doing so. Another option is to utilize one of the many websites available that act as insurance brokers without charging a fee; they receive their revenue from the insurance companies and through advertising. Most of these websites will accept quote requests, find the best deal, and then give customers all the information needed to purchase the policy. In this sense, these online short term health insurance brokers are one-stop shops.

Here is a brief list of some of the websites online that act as online insurance brokers for people looking to purchase short term health insurance policies:

• eHealthInsurance
• Health Insurance Finders
• Consumer Benefits

Be sure to use a legitimate online short term health insurance broker since the quote process involves providing personal information that you do not want landing into the wrong hands. You should also keep in mind that the results you receive from a broker may not include the least expensive coverage, since the broker is limited to affiliate insurance companies.

People who prefer to work directly with a potential insurer can usually obtain quotes for short term health insurance through the insurer's website. Depending on the requirements of the policy –such as a health screening- the policy may not be issued immediately. Requirements vary from one insurer to another.

Consumers who do not want to utilize an insurance broker for a short term health insurance policy should be sure to do some comparison shopping among several companies. This type of insurance product is offered by many insurers, so you may be able to find a better deal by obtaining policy quotes from a variety of companies.

Here is a brief list of some of the companies offering short term health insurance:

• Humana One
• Assurant
• Aetna
• BlueCross BlueShield

Compare the costs and coverage offered by several insurance companies before purchasing a short term health coverage policy.

People who require temporary health insurance coverage for travel purposes can obtain quotes for this type of policy online as well. This type of insurance policy is meant to augment existing coverage in the event of a medical emergency overseas which may not be fully covered by a health insurance policy already in place. Companies offering this type of temporary coverage include Travel Guard and Medex. Before purchasing a short term policy specifically for travel, contact your existing health insurance provider to find out what coverage you already have in place.

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