Texas Temporary Health Insurance Plans 800-272-0512

You don’t want to be without health insurance for even a short time. It’s just too risky, considering the high cost of medical care these days. That’s why we offers a very affordable Texas Short-Term Major Medical insurance plan. It is designed specifically for people and families needing temporary coverage from 30 days to 180 days. Protect you and your family against the financial hardship of unexpected medical expenses.

Some important advice about Texas temporary health insurance

These plans are designed for individuals and families that will need to bridge their coverage from one plan to another or need coverage for a short period of time. It is not wise to use these plans as long-term solution. Since they have a limited coverage period, you can find yourself at renewal time with a condition that would not let you continue with the plan. In other words, you will be screwed. I will gladly write a simple inexpensive plan for you if you are not sure of the duration of your needs.

Can I continue coverage?

Temporary health insurance is issued on either a specific lenght of time basis or month to month with a maximum term. If the need for temporary health insurance continues, you may apply for a new coverage period. Your application is subject to the eligibility and underwriting requirements.

Furthermore the coverage is not continuous. Any condition that incurred expense during the last coverage period will be treated as a Pre-Existing Condition, and excluded under the next coverage period. Applicants over the age of 64 are not eligible to re-apply for coverage.

What Expenses re Covered?

Protection from the high cost of an unexpected illness or accident

An Assurant Health Short Term Medical plan is an easy and affordable way to protect yourself and your family from the financial hardship of an unexpected illness or accident.

The plan provides valuable benefits, gives you the freedom to choose your own doctors and hospitals and pays for all covered medical expenses once your deductible, coinsurance and any applicable access fees have been met.

All covered services are subject to deductible, coinsurance and any applicable access fees.

Who is eligible to apply?

Anyone between the ages of 30 days and 64 years 11 months.

Children can apply without parent.

To be considered for coverage, proposed Insureds must not: a.) have other hospital, major medical, health, governmental, or medical insurance coverage in force that will not terminate prior to the Effective Date of the plan; b.) be pregnant or the expectant father of an unborn child on the Effective Date; c.) have been declined for insurance due to health reasons; or d.) have received consultation or treatment, within the past five years, for any conditions identified on the application.

Is there a Pre-Existing Condition limitation?

Yes, Pre-Existing Conditions are not covered.

A pre-existing condition is a medical condition due to sickness or injury for which you received medical treatment or advice during the five-year period immediately prior to your Short Term Medical effective date, regardless of whether the condition was diagnosed or not; or that produced signs or symptoms within the five-year period immediately prior to your Short Term Medical effective date. The signs or symptoms either must have allowed one knowledgeable in medicine to diagnose the disorder or would have compelled a reasonable person to seek diagnosis or treatment.

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