Message from Wiley Long
President - ColoHealth
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Short Term Health Insurance Q&A

Temporary Short Term Page

 

  - When does short term health insurance coverage begin?
  - Can I change my deductible?
  - What is the definition of a pre-existing condition?
  - Will routine check-ups be covered?


  When does short term health insurance coverage begin?

The earliest your coverage can begin, if you choose to download an application, is the day following the U.S. Postal Service postmark on the envelope in which you mail the application. (Your application must be completed in full, meet the requirements for acceptance, and be received with payment). If another company offers lower rates and you choose to go with them, it will take a few days longer to get your temporary coverage issued.


  Can I change my deductible?

No, deductible changes cannot be made after short term insurance is issued.


  What is the definition of a pre-existing condition?

A pre-existing condition is defined as an illness or injury for which the covered person received medical treatment or advice from a physician within the 5 year period immediately preceding the covered person's effective date; or that produced signs or symptoms within the 5 year period immediately preceding the covered person's effective date. Pre-existing conditions are not covered.

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  Will routine check-ups be covered?

No, temporary health policies are designed to protect you in the even of an illness or injury and are not meant to cover routine exams and preventive care. For this kind of coverage, ask us about permanent individual health insurance.

 

Feel free to Contact Us if you have any further questions