Questions about cya in terms of short term health insurance?
If I'm worried about getting an illness that extends past the contract expiration of my short-term health insurance thus getting no coverage would it make sense to try and get another short-term insurance application approved before the other one ends so I will continue to be covered or would they still consider the condition preexisting even though I was approved to begin the new short term insurance policy at the expiration of the old one??? Sorry this one might sound confusing
If you currently have short term health insurance, have you contacted the company to see about renewing? Some companies will renew short term health insurance for up to 12 months of coverage.
As for your concern regarding pre-existing conditions, I wouldn't worry at this point. If you renew with the same health insurance, it shouldn't be a problem. And since you don't have something now that could be considered a pre-existing health condition, you don't have a concern with renewing.
If you can't renew, I'd either apply for another short term health policy now (to take effect when your current policy ends) or I'd look into my options for permanent health insurance. You may be able to find group rates through professional associations or clubs. If you have a special interest or a professional designation, or if you are self-employed, some professional groups or other organizations may provide group health insurance (that you pay for yourself) as a benefit of group membership. It could be another option for you.
