Be aware of the limitations of short term medical insurance

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August 5, 2015 by Tony Novak

A woman called the OnlineNavigator service number early yesterday morning (way too early for me to pick up) to leave a message asking how her medical condition would be treated under a short term medical plan. Apparently she knew that she had several months until eligibility for a regular major medical insurance and planned to enroll in one of the temporary health insurance plans at Freedom Benefits.

This issue comes up from time time to time so is worth repeating here: if you have to ask about how a certain medical condition is handled by insurance, this almost certainly means that you have a pre-existing medical condition. Pre-existing medical conditions are not covered by short term medical insurance policies. I explained this when we talked later in the day; it doesn’t matter which insurance you choose – all short term policies share this characteristic.

Short term medical insurance is designed to be quick, easy and covers new medical issues that may arise. It is not meant to pick up the cost of ongoing treatments.

I covered this topic in more detail in this article titled “Seven things you should know about short term medical insurance“.

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