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Specialty Coverage Considerations

Aside from the basic types of health insurance, there are a variety of specialty policies available as well. We'll explain a few of the most common types of specialty protection here.

  • Short-term policies. These plans offer temporary protection for those who are between jobs, waiting for coverage to begin, or are recent college graduates. Short-term policies provide coverage for 1-12 months that is affordable and flexible. Typically, your policy takes effect immediately, sometimes within 24 hours after you apply.
  • Student health insurance. Student plans offer very reasonable rates on coverage for undergraduate or graduate students taking at least nine credit hours at a college or university. Commonly, this kind of policy is very flexible and portable, allowing you to choose your doctors and hospitals whether you're at home or away at school.
  • Health savings accounts. Health savings accounts (HSA) aren't a type of policy, but rather a way to deduct your expenses from your income taxes. After you look into policies and find an HSA-compatible option, you can set up an account to save money tax-free to pay for the costs.
  • Dental insurance. Many of the companies that offer estimates through our website also offer dental insurance plans. You can find a dental plan that will include regular cleanings in addition to any other dental care you require for very affordable premiums. Typical policies include preventive, basic, and major dental services.
  • Discount cards. This is not a type of policy, but it is one way to minimize your costs if you use it in conjunction with a quality plan. Discount cards can save you up to 60% on prescription drugs and dental, vision, and chiropractic services. You can use the card as much as you like without incurring additional fees.
  • Vision insurance. Most plans on which you get price estimates do not include the costs of eyeglasses and/or contact lenses. Some plans may include visits to ophthalmologists or optometrists, but nothing beyond that. With vision insurance, you will receive coverage for eye exams as well as a wide selection of lenses and frames or contact lenses.

If you are having difficulties recalling the meaning of all of these words, please feel free to reference our health insurance glossary.