Employees may need Colorado short-term medical insurance for a variety of reasons. They may be unemployed or only employed temporarily or part time. You need Colorado temp health insurance if you are waiting for permanent health insurance to begin and instead of Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) generally do not provide services for short-term health insurance. Colorado usually allows the insured party to receive care from any licensed health provider.

1. Gap coverage between long-term policies is the primary intent of short-term health insurance. Colorado workers with temporary health insurance obtain long-term health insurance at some future date.

2. Temporary health insurance in Colorado provides coverage for unforeseen injury and illness and will not cover routine examinations or preventative care in most cases.

3. Temporary Colorado health insurance is exempt from the Health Insurance Portability and Accountability Act (HIPAA) and these companies are therefore not required to issue or renew policies and also do not have to waive the restriction on pre-existing conditions for individuals who would otherwise qualify.

Action Steps

The best contacts and resources to help you get it done

Tips & Tactics

Helpful advice for making the most of this Guide

• Review your policy for any provision that will extend your coverage beyond the termination date. Short-term health insurance companies frequently cover total disabilities until specific conditions have been met. This could include paying a maximum benefit, reaching a certain time beyond the expiration date or continuing treatment until it is no longer required. Many plans will also provide a fixed benefit for partial disability after the termination date of the policy.