As the name implies, short-term medical insurance is ‘filler’ insurance when you are between coverage. It offers medical coverage similar to that offered by traditional medical care insurance providers for a limited period of time.

Short-term medical insurance is commonly used for:

• Individuals who have recently changed jobs or who have been laid off for an extended period of time

• Recent college graduates who have yet to find employment and are no longer eligible to be covered under their parents medical insurance plan

• An alternative to COBRA medical coverage

• Individuals who are waiting for a new health insurance policy to take effect, typically sixty to ninety days after the start of new employment

• Individuals who retire early and are not yet eligible for Medicare health insurance

• Individuals who qualify for any of the above and need coverage for themselves and their family members