Short-term, up to 12 months temporary coverage
Short-term health insurance is a temporary health insurance plan (typically 1 to 12 months) and should NOT be used as a substitute for standard, long-term health insurance.

If you are:

     Between jobs
     Waiting for coverage from another health plan to start
     Laid off
     On strike
     A recent college graduate
     A seasonal employee

then short-term health insurance may be right for you.

BUT, keep in mind the following:
.Short-term medical plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date. 

.Short-term plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations. 

.Short-term plans are exempt from HIPAA legislation. This means that when issuing a Short-term medical policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals. 

.Most importantly, short-term medical plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.

IF YOU ARE UNSURE THAT YOU WILL HAVE STANDARD, LONG-TERM HEALTH INSURANCE (OR INSURANCE THROUGH AN EMPLOYER) WITHIN 12 MONTHS, WE STRONGLY RECOMMEND THAT YOU CONSIDER PLANS FOR STANDARD, LONG-TERM HEALTH COVERAGE NOW, BEFORE THERE IS AN ADVERSE CHANGE IN YOUR HEALTH CONDITION.

If you would like someone from MRCT to contact you regarding Short-Term Medical Insurance for you or someone in your family, CLICK HERE.