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Short-Term Health Plans: Scam or Smart?
Short-Term Health Plans: Scam or Smart?
When I first saw ads for short-term health insurance at half the price of major medical, I thought, “too good to be true.” But after losing my job, I needed *some* kind of coverage. Here’s what I learned — the good, the bad, and the ugly.
1. What Is Short-Term Health Insurance?
It’s temporary coverage, usually lasting 1 to 12 months. You can sign up anytime (no open enrollment), and plans start fast — some next-day. But short-term health insurance coverage is more limited than regular health plans.
2. When It Makes Sense
If you’re between jobs, missed open enrollment, or waiting for another policy to start, these plans can be a smart short-term option to avoid total risk.
3. Where It Can Burn You
Many short-term health insurance plans don’t cover pre-existing conditions, mental health, maternity, or prescriptions. And they can deny claims for any undisclosed medical history. That’s where the "scam" part comes in.
4. How to Vet a Provider
Check the fine print. Use a licensed broker. Look up reviews. If you’re going this route, choose a plan that at least includes emergency and hospital care — and get it in writing.
5. Final Thoughts
Short-term plans aren’t always a scam — but they’re definitely not for everyone. For some, they’re a lifeline. For others, they’re a trap. Know the difference before you commit.
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Labels: Short-Term Health Insurance, eHealth, Health Coverage, Affordable Plans, Insurance Comparison
Search Description: Wondering if short-term health insurance is legit? Learn when it’s smart, when it’s risky, and how to choose the right plan.
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