Insurance is a matter of choice but with so many insurance corporations providing the best insurance plans, it is difficult to find out which insurance corporation is the best. To understand the technicalities of insurance, one needs to have a fair idea of the types of insurance plans available in the market. One such type of insurance is Short Term Health Insurance. In this article, we shall learn its need and coverage limitations. 

Understanding Short Term Health Insurance:

As the name suggests, a short term health insurance, also known as temporary health insurance, is a health insurance policy that provides insurance for a short period of time. The time period may be as short as a month and can also go up to 6 – 12 months. As far as working is concerned, short term health insurance works in a similar way as a long term health insurance. The only difference between the two is the coverage each policy provides. If you buy one short term health policy, you shall receive a health insurance card that will possess limits and deductible on the services of the policy. 

The Need of Short Term Health Insurance

Short term health insurance proves to be very suitable to a section of the society such as students, temporary workers, etc. These people find a short term plan more economical and suitable since their stay in foreign land is not long. Buying a long term insurance policy can be very expensive considering the duration of their stay. These policies are also suitable for people who sport good health and do not wish to spend more on long term insurance policies. The short term insurance policy in essence provides one with an insurance against accidents and illnesses for a limited period of time, say not more than a year.  

Coverage Limitations of Short Term Health Insurance

The difference between a short term and a long term health insurance plan is the coverage since a short term health plan does not cover pre-existing conditions and preventative care. A pre existing condition is a medical problem that one suffers from prior to getting into the insurance. The short term health insurance polices are specifically designed to provide protection against major health problems. 

Another point to be taken care of is that if one opts for a short term health insurance policy, one becomes ineligible to the guaranteed health insurance coverage that one is provided with irrespective of the status of one’s health. Also visitors to USA need to have visitors health insurance done mandatory.  

Despite its limitations, temporary health insurance is a boon for people who cannot afford to buy long term health insurance plans. Since major illnesses are covered under a short term health insurance plans, students and workers prefer buying it rather than any other long term plan.

By: Richart Rick

is health coaching?

Health coaching is a collaborative and personalized program that focuses on improving health and wellness. Health Coaching builds an individual’s capacity to achieve short- and long-term health and fitness goals. Participants in a health coaching program interact one-on-one with their health coach by telephone, instant messenger, email and online journal.

Frequently Asked Questions About Health Coaching

What is health coaching?

Health coaching is a collaborative and personalized program that focuses on improving health and wellness. Health Coaching builds an individual’s capacity to achieve short- and long-term health and fitness goals. Participants in a health coaching program interact one-on-one with their health coach by telephone, instant messenger, email and online journal.

Unlike personal training or counseling, YOU, the client, are the expert when working with a health coach. Whether you’re working toward general wellness or a more specific health-related issue, a health coach will focus on enhancing your quality of life. Our health coaches guide, motivate, provide customized resources, and help you to set achievable goals. Health Coaches do not diagnose, prescribe, or give advice. Instead health coaches use their expertise to provide you with tools, not opinions.

The role of a health coach is unique. A health coach will not just ask you if you have done your crunches for the day UNLESS that is what you want your health coach to do. Instead, the health coach is there to help you identify and achieve whatever goals you set for improved vitality by coordinating the many resources available to you through this and other programs.

Do I have to have a serious health issue to benefit from a health coach?

No. We know that no two people are exactly the same and your health status may vary from day to day. Health coaches help you to assess your level of health and well-being and to work on the issues at hand. Your health coach will provide the human touch to motivate you toward setting and achieving your goals through a personalized plan of action. However, if you do have a serious health issue, your health coach can help. If you need to modify your lifestyle due to an issue such as diabetes, high blood pressure, high cholesterol, and/or musculoskeletal injuries, a degreed and highly trained expert health coach can assist.

Who are the health coaches?

Our health coaches are high-level, seasoned professionals, experienced in behavioral change and in serving moderate-risk and sedentary, high-risk and high-stress populations. All Health Coaches hold degrees in Exercise Science, Health Education, Exercise Physiology, Counseling and Health Education, Counseling and Education, and each health coach has a minimum of a bachelor’s degree and at least 3 years of experience. In addition, 80 percent of our health coaches also hold a graduate degree in a related field.

I’m not sure health coaching is right for me. How do I decide?

If you would like someone to provide support, guidance and motivation that can help you achieve personal health and lifestyle goals, you will benefit from your relationship with a health coach.

How much time will health coaching take?

The time you devote to health coaching is entirely at your discretion. Communication between you and your Personal Health Coach will be as often as needed and will be determined on an individual basis. You will be paired with a health coach who will remain with you throughout your entire health coaching process. Communication between you and your health coach may occur every day, just once per week, or even less whether it is by email, journal or a combination of both.

If you would like to spend more time learning about your challenge and your solutions you have come to the right place. Through the health coaching program you will have access to a comprehensive library of lifestyle education and resource materials that will be hand selected by your health coach specifically for you. These resources come from nationally acclaimed resource providers.

What is health coaching?

Health coaching is a collaborative and personalized program that focuses on improving health and wellness. Health Coaching builds an individual’s capacity to achieve short- and long-term health and fitness goals. Participants in a health coaching program interact one-on-one with their health coach by telephone, instant messenger, email and online journal.

By: ravi triken