Virginia Short Term Health Insurance

There are some instances where you may need short term health insurance in Virginia for a brief period of time.  Virginia short term health insurance (also called temporary health insurance) or Virginia student health insurance could be the answer.

What are the advantages of Virginia short term health insurance and Virginia student health insurance?

• simple underwriting: usually no more than a couple medical questions to answer for Virginia short term health insurance and Virginia student health insurance

• low cost: premiums are generally much lower than for long-term health insurance plans

• credible coverage: helps to fill in the gaps for periods between jobs

Are there disadvantages to Virginia short term medical insurance and Virginia student medical insurance?

• pre-existing conditions: short-term health insurance plans in Virginia generally do not cover pre-existing conditions

• limited duration: short term health insurance plans in Virginia can be purchased for just a few days to several months; however, the plan generally cannot be extended beyond a pre-determined maximum coverage date

When should I consider purchase of a Virginia short term medical insurance plan or Virginia student medical insurance plan?

Short-term health plans make sense if the following is true:

• There are no pre-existing medical conditions
  
• There is a definitive period of time in which coverage is needed until another health insurance plan takes effect

What are some examples of these situations?

• Someone that is between jobs
  
• Someone that has taken a new job but the new employer has a waiting period before benefits begin

Can a Virginia short term health insurance plan be continued once the term ends?

Technically it cannot.  Although most insurance companies (such as Anthem of Virginia) will let you purchase multiple short-term plans, it is important to note that each term begins a new contract; therefore it is technically re-written and not renewed.  This means that a medical problem that occurred under one short-term plan would become a pre-existing condition under the new plan.  That is why Virginia short term health insurance plans should be used in temporary health insurance coverage situations.


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