Do temporary health insurance plans cover pre-existing conditions?
Like most health insurance policies, temporary health insurance plans do not cover pre-existing conditions. The pre-existing conditions limitation includes conditions that were treated or produced symptoms within five years prior to effective date of your temporary health insurance plan. However, some temporary health insurance plans like VIPER’s Secure 12 x 3 short-term medical insurance gives the insured the opportunity to submit a simplified application form and re-apply within 30 days prior to the termination date of coverage, if the application is approved in underwriting, a new Coverage Period will be issued and the effective date will be the first day following the termination date of insured’s coverage period. The insured will then receive a new certificate of insurance and new deductibles and co-insurance will apply. However, the pre-existing conditions limitations will not apply to any condition(s) that were covered during a prior prior coverage period. Any other pre-existing