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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Details of short term medical insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I am looking at short term medical insurance on for my daughter. Where can I find the description of what is covered, not covered, etc. in a format that I can print out?

A: All of the policies listed at have links to detailed listings of benefits and exclusions. Look for these links on the page that gives the rate quotes. Since the policy details vary slightly from state to state, be sure to run a rate quote first and then print out the summary of coverage and exclusions pages. A full copy of the entire insurance policy is available to prospective health plan members. Consulting the actual policy itself is the best way to get complete information about a policy's coverage and limitations. Just complete the online enrollment and select "pay by check". The insurance will not be effective until / unless you send payment but this will allow you to download the entire policy immediately. In summary, these policies cover all ordinary and necessary medical expenses treated in the U.S. as defined by AMA standards. The policy does not covered is the policy deductible, expenses that are not "medical", expenses not in the U.S., expenses that are not "necessary", and pre-existing medical conditions. Also, there is a trend in all health insurance policies to remove coverage for prescription drugs and cover these under a separate discount plan rather than as a basic medical expense. Remember that in order to get accurate details on short term health insurance, it is important to get a quote for a specific policy first, and then you can see the details and exclusions of the coverage that was actually quoted. Do not rely on generic information that may be out-of-date or may not pertain to your specific policy.


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