Short Term Major Medical Insurance vs. Individual Health Insurance in GA

Short term major medical health plans in Georgia are individual health insurance policies which can be obtained for a short period: depending on your individual health insurance needs this can range from 1 month to 12 months. However, some short term medical policies may allow you to extend your benefits for longer periods.

Most short term major medical health plans in GA are designed to protect against catastrophic events such as an accidents or any new and unexpected illnesses. Short term health insurance plans in Georgia do not cover pre-existing health conditions. Short term medical insurance does not provide routine office visits and prescription benefits with a typical co-pay.

You may be wondering why would one would choose a short term major medical health insurance policy in GA that does not offer office visits and prescription benefits?

Short term medical policies are very low cost when compared to traditional individual health insurance policies in GA. Also, most individual health policies in Georgia can take 2-4 weeks for approval. A short term major medical insurance policy can be issued almost instantly online with only 1 or 2 health questions.

Short term medical policies are a good option for:

• Individuals who are in-between jobs
• Individuals who are on a waiting period in a new job
• Students who recently graduated from college and cannot be included as a dependent on their parent’s health insurance policies.

If you feel your need for health insurance could be long term and you would like to have the day to day benefits, you may want to consider a traditional individual health policy. If you're certain your health insurance need is short term and you do not have the time for the typical health insurance approval process, a short term medical insurance policy is a great answer to a temporary insurance need.