Basic things about short term health insurance

October 9, 2010 by  
Filed under Health Insurance

There are a few reasons why you might be interested in a short term health insurance. If you just left or lost your job or if you have just graduated, a short term health insurance may be a good idea for you. These situations may be encountered in real life and therefore having no insurance for a while is a risk you should not assume. This is because temporary health insurance may help you with some coverage in the short period you need it.
The temporary health insurance has a self explanatory name. It covers you for a limited period of time between 1 to 6 months. However, depending on some factors you might get a short term health insurance for a longer time. This is the case when you want to extend the temporary health insurance but this is not recommended because a traditional insurance is the better option to go for in such cases.
Many people do not exactly know what the features are of a temporary health insurance plan. The similarity with the traditional one is that basically there are the same risks covered. However, there are also differences between traditional and short term health insurance plans. This is because temporary plans are stricter when it comes to indemnity plans.
Check-ups, optical and dental check-ups are not covered by the temporary plan. Also, existing medical conditions are not covered either. However, you will get coverage for emergencies such as hospital, X-rays, intensive care needs or prescription drugs too.
In order to get a temporary health insurance plan, you should have a good insurance agent. Also, you should decide upon the period of coverage and when for it to start. Exclusions have to be read very carefully in order to avoid future surprises. If you have any queries, you should definitely ask your insurance agent. All the information from your application form should be carefully completed and you should keep a copy of it.
The cost for temporary health insurance is a variable one depending mainly on the type of coverage you choose. If you want a lower cost, you should opt for higher deductibles. Additional options may cost you a lot but many times they can be very helpful. For example, you should have your prescription medicine costs covered because they are expensive to buy from your own pocket.
If you are not satisfied with the price you have to pay, you should definitely shop around a little bit. This is because there are many health insurance companies on the market and some of them have very decent prices for short term health insurance.

There are a few reasons why you might be interested in a short term health insurance. If you just left or lost your job or if you have just graduated, a short term health insurance may be a good idea for you. These situations may be encountered in real life and therefore having no insurance for a while is a risk you should not assume. This is because temporary health insurance may help you with some coverage in the short period you need it.
The temporary health insurance has a self explanatory name. It covers you for a limited period of time between 1 to 6 months. However, depending on some factors you might get a short term health insurance for a longer time. This is the case when you want to extend the temporary health insurance but this is not recommended because a traditional insurance is the better option to go for in such cases.
Many people do not exactly know what the features are of a temporary health insurance plan. The similarity with the traditional one is that basically there are the same risks covered. However, there are also differences between traditional and short term health insurance plans. This is because temporary plans are stricter when it comes to indemnity plans.
Check-ups, optical and dental check-ups are not covered by the temporary plan. Also, existing medical conditions are not covered either. However, you will get coverage for emergencies such as hospital, X-rays, intensive care needs or prescription drugs too.
In order to get a temporary health insurance plan, you should have a good insurance agent. Also, you should decide upon the period of coverage and when for it to start. Exclusions have to be read very carefully in order to avoid future surprises. If you have any queries, you should definitely ask your insurance agent. All the information from your application form should be carefully completed and you should keep a copy of it.
The cost for temporary health insurance is a variable one depending mainly on the type of coverage you choose. If you want a lower cost, you should opt for higher deductibles. Additional options may cost you a lot but many times they can be very helpful. For example, you should have your prescription medicine costs covered because they are expensive to buy from your own pocket.
If you are not satisfied with the price you have to pay, you should definitely shop around a little bit. This is because there are many health insurance companies on the market and some of them have very decent prices for short term health insurance.

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