Immediate medical insurance coverage

Short term medical insurance is available for periods as short as one month and coverage can be renewed on a month-to-month basis if you need coverage for a few more months. The insurance is effective immediately after midnight when you apply and make payment online.

Remember that individual medical insurance, especially the short term policies, does not cover the cost of prescriptions for a pre-existing medical condition. In this situation, the best alternative is to any of the short term medical plans that include a prescription discount benefit or enroll in our prescription discount plan that is available to all Freedom Benefits Web site guests.

Coverage for a regular pap smear is mandated by law and so coverage for this is the same on every insurance plan. If a PAP smear coverage is required by law (based on your age and frequency of the test), the full cost of the test is covered and the policy deductible does not apply.

The most valuable and important consideration for you at this point is that by providing proof of the short term policy that was in force before the group benefits start you will receive benefits for your prescription and other pre-existing medical conditions sooner.

Visit the home page of Freedom Benefits and choose your state from the US map. Products vary from state to state, but any of the short term medical insurance plans that may be available in your state will provide the benefits discussed here.