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Short-term health insurance may be just the ticket for you if you are in a transition period

Depending on your situation, you may need a unique kind of health insurance.

Let’s say your life is in transition. Maybe you have started a new job, are moving, or are getting married, or are going away to school. You may not be sure about your future plans at any given moment, but still know that you need health insurance. What can you do to make sure you have a policy during this transitional period?

You may want to consider short-term health insurance. It is a perfect choice for people who aren’t certain what they need down the road, or when that will be. Short-term health insurance is a temporary solution, and may be just the right thing for you right now.

As the name implies, short-term health insurance is taken out for a short period of time, which allows you to quickly drop it, when you need to do so. In most cases, short-term health coverage only applies to major health issues, ones that radically alter your life in a catastrophic manner.

Who might be interested in short-term, catastrophic health insurance? Often this kind of insurance is appealing to part-time and temporary workers — those who are transitioning from one job to another, or for recent college graduates in the process of applying for a job. These policies are typically sold to those under the age of 65.

With a short-term policy, you usually have the ability to pick any specialist or doctor you want to see. It also covers surgery, diagnostic tests, after-care visits, drugs, and hospital and emergency services. Be aware of the limitations, which may include limited coverage for mental health care, no coverage for Pap tests, preventative care or shots, and it does not cover any pre-existing conditions — hence the low premiums.

These policies are appealing to a large number of people, thanks to how easy they can be to get, how fast they are processed, and their low cost and high-coverage limits. Many people also like the short application they need to use to get this type of a policy. Just be sure you are completely aware of what this kind of coverage entails, because the last thing you need is to buy a policy that does not meet your needs.