How broad is the benefit coverage under short-term medical insurance?
Generally speaking, short-term medical insurance plans cover a broad range of medical services. Although the definition of covered expenses under short-term medical insurance may differ from one insurer to another, “covered expenses” commonly include room and board and routine nursing services during hospital stays, services in a hospital’s outpatient department or in a surgical facility, physician and surgeon services, X-ray and laboratory services, prescription drugs, home health care, treatment in a skilled nursing facility following a hospital confinement, and many other types of expenses normally covered under a major medical expense insurance policy. Short-term medical insurance has many of the same exclusions that major medical plans have. Before you buy, carefully read the exclusions and other sections of a short-term medical insurance policy. Also give close attention to any provisions that extend coverage beyond the scheduled expiration date for injuries or illnesses for whic
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