Are you looking for a health insurance plan that will cover you for 30 days or 6 months. Short Term or Temporary health insurance is what you need. It is designed to give you health insurance for a designated amount of time.
If you find yourself uninsured for a short term like for the lose of a job this is a good option to cover and major medical needs. So if you have an illness or accident that would require hospitalization this type of plan would be great.
These plans typically cover hospitalization, surgery and most major medical in or outpatient care required. So say you get sick and have to stay in the hospital for 10 days. After your deductible you can expect the insurer to share these cost with you.
In most of these plans your co pays are not an option. You would not expect these plans to cover things such as routine visits to the doctor or prescriptions you take on a regular basis. They will not cover any pre existing conditions either.
It tends to be a great option for those who can not afford the high cost of COBRA plans. Or newly graduates in between carriers. And even those trying to secure individual coverage and is seeing a gap due to the underwriting process.
Some of these plans require you to pay for the entire term you buy up front. Others allow you to o pay month to month. Rates are typically calculated day to day or per month. It depends on the carrier what options they have.
Enrollment foe these plans is much simpler then that of a traditional plan. Instead of 20 health questions you may have 5. Approval is quick, in many cases instant. And if you would like coverage to start the next day that is usually an option.
If you are unsure of how long you need this plan don't fret. Choose your best estimated guess and if you have to you can purchase another term once that is over. Most carriers allow you to do this at least once a year. - 15224
If you find yourself uninsured for a short term like for the lose of a job this is a good option to cover and major medical needs. So if you have an illness or accident that would require hospitalization this type of plan would be great.
These plans typically cover hospitalization, surgery and most major medical in or outpatient care required. So say you get sick and have to stay in the hospital for 10 days. After your deductible you can expect the insurer to share these cost with you.
In most of these plans your co pays are not an option. You would not expect these plans to cover things such as routine visits to the doctor or prescriptions you take on a regular basis. They will not cover any pre existing conditions either.
It tends to be a great option for those who can not afford the high cost of COBRA plans. Or newly graduates in between carriers. And even those trying to secure individual coverage and is seeing a gap due to the underwriting process.
Some of these plans require you to pay for the entire term you buy up front. Others allow you to o pay month to month. Rates are typically calculated day to day or per month. It depends on the carrier what options they have.
Enrollment foe these plans is much simpler then that of a traditional plan. Instead of 20 health questions you may have 5. Approval is quick, in many cases instant. And if you would like coverage to start the next day that is usually an option.
If you are unsure of how long you need this plan don't fret. Choose your best estimated guess and if you have to you can purchase another term once that is over. Most carriers allow you to do this at least once a year. - 15224
About the Author:
If you need to find out more about Short Term Health Insurance Broker Jeff Cline is happy to answer your questions or help you find a plan. He also specializes in Student Health Insurance. Give him a call toll free at 866.526.9669. His office is ready to assist you 24 hours a day 365 days a year.
