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Short-Term or temporary insurance coverage is probably the [url=http://www.rtnagel.com/airjordan.php]jordan pas cher[/url] most incorrectly used health insurance product in the Texas market. Short-term coverage should be used in very specific circumstances. However, since the coverage is [url=http://www.mnfruit.com/doudounemoncler.php]moncler pas cher[/url] easy to apply for and is very cost competitive, the insurance is often purchased for situations not suitable for that type of coverage.

Short-term coverage is defined as Texas health insurance that has a [url=http://www.ilyav.com/uggsoldes.php]boots ugg pas cher[/url] stated effective date of coverage and termination date of coverage with a term of coverage no more than 12 months. Short-term coverage only provides benefits for medical conditions occurring during the term of the short-term coverage and will not provide any benefits for health conditions that existed prior to the effective date of coverage. There are two situations where short-term coverage is applicable and will provide benefits with the lowest level of risk exposure.

Short-term coverage should be used to fill a gap in coverage between one policy and a new policy that takes effect with a known future date. The best example of when short-term coverage should be applied is when a group policy terminates and benefits under a new group policy are not available until the eligibility requirements are met, typically after 60 or [url=http://www.achbanker.com/hollister.php]hollister france[/url] 90 days of employment. Short-term coverage can be put in place to provide health insurance benefits during the period of time prior to the effective date of new group health insurance coverage.

The important aspect regarding short-term coverage is that the policy is not considered creditable coverage. This does not mean that the Texas short-term policy is marginal or not substantial. Creditable coverage as defined by C.O.B.R.A. regulation is the amount of time covered by either employer-sponsored coverage or long-term individual coverage [url=http://www.thehygienerevolution.com/barbourparis.php]barbour[/url] that can be used to offset a preexisting condition waiting period on a new [url=http://www.mquin.com/gzparis.php]giuseppe zanotti sneakers[/url] policy. For each month covered under a previous policy that meets the requirements for creditable coverage, the insureds preexisting condition waiting period is reduced by one month. Employer-sponsored group plans place a 12-month preexisting [url=http://www.mquin.com/gzparis.php]giuseppe zanotti[/url] condition waiting for an employees benefits related to the condition unless the employee has up to 12 months of prior creditable coverage.

The insured [url=http://www.ilyav.com/uggsoldes.php]ugg pas cher[/url] employee must avoid a 63-day gap in coverage between two health insurance policies in order to document continuous coverage. Although it provides Texas health insurance benefits, short-term coverage is typically not considered creditable coverage and cannot be used to reduce or eliminate the preexisting condition waiting period once a new policy has been approved. Short-term coverage provides coverage during the waiting period prior to the effective date of employer sponsored group coverage. Even though a gap of coverage will be created because short-term is not considered creditable coverage, the gap does not result in a possible loss of benefits because eligibility is based on the first date of employment not the effective date of coverage when benefits are available.

Another suitable use of short-term coverage would be to bridge a coverage gap between an individual or group plan and Medicare eligibility. If an individual has less than six months prior to Medicare enrollment, short-term coverage can be employed to greatly reduce the cost of health insurance. Even though the option is attractive from a cost standpoint, the insured should be careful in securing such coverage if there are existing medical conditions, or symptoms that would be considered a preexisting condition which would not be covered under the short-term policy. This short-term coverage option is only employed when there [url=http://www.mxitcms.com/tiffany/]tiffany outlet[/url] are no preexisting conditions and [url=http://www.mnfruit.com/airjordan.php]jordan pas cher[/url] the insured wants to significantly lower their health insurance cost prior to Medicare enrollment.

Short-term can provide a cost competitive option for coverage while the Texas consumer waits for benefit eligibility under an employer-sponsored group plan or [url=http://www.gotprintsigns.com/abercrombiepascher/‎]abercrombie soldes[/url] Medicare. It is important [url=http://www.mquin.com/saclancel.php]lancel[/url] to understand when short-term coverage is beneficial and when other Texas health insurance options should be evaluated.
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