Related Reading:
Health Quote
Insurance Suggestions
Who needs short term health insurance?
Short term health insurance is designed to see the policyholder through
a brief gap in standard health coverage. They're generally available for
between one and twelve months (though many insurers limit coverage to
six months), and they offer many of the same benefits that standard
plans do, with a few key differences.
Because temporary health insurance policies are generally non-renewable
(you have to re-apply to extend coverage) they are appropriate only for
people in between coverages, and should not be purchased in place of
regular coverage.
But if you're between jobs, on strike, recently graduated, or simply
waiting on a new health plan to take effect, short term health insurance
can provide you and your family with some much-needed security.
The coverage short term health insurance
The typical temporary health insurance policy covers most of the same
services a permanent policies do, with some differences.
Because most short term health insurance policies are fee-for-service
(indemnity) plans, preventative and routine care (like check-ups) won't
be covered, nor will most policies cover
dental or optical care. And
most temporary health insurance is very strict about denying coverage
for pre-existing conditions.
Services traditionally covered by short term health insurance include
emergency medicine, prescription drugs, intensive care, lab and x-ray,
ambulance, and some home and hospital care. (Specific policies may
vary.)
Most temporary health insurance policies can be adapted to extend
coverage to a spouse and dependents.
The cost of temporary health insurance
Temporary health insurance is a very affordable policy. The monthly
premium on a standard short term health insurance policy is almost
always under $100, and may be as low as $25.
However, much of this variation in cost is due to the deductible on the
policy which can run as little as $250, and as high as $2,500. Most
temporary health insurance policies also require co-insurance of 20-50%.
(This is the percentage of costs you pay for most treatments.)
A good temporary health insurance policy will carry a fair maximum
pay-out ($2 million is good), and a reasonable ceiling on your
out-of-pockets expenses.
The fastest way to short term health insurance
The internet is an ideal market for a consumer product like short term
health insurance. Pricing policies and options is a snap, and you can
get competitive short term health insurance quotes in under a minute.
Application is fast, too, and you can have your temporary health
insurance coverage activated by as early as noon tomorrow!
Consumers also benefit from the competitive nature of the online
insurance industry. You can be sure you're getting a fair shake.
|
We can recommend
Liberty Short Term Health Insurance. They are one of the largest
insurers in the country and the policies are underwritten by Chesapeake
Life which maintains a good "A-" rating. The quote and application
is easy and can be completed totally online.... no agent will call or
bother you.
Click HERE for an
Online Quote from Liberty |
When applying, always remember that policy premiums are not final until
application process is fully completed, so be sure to include all your
info for an accurate quote.
You, of course, are under no obligation to buy until you sign on the
dotted line.
Related Reading:
Health Quote
Insurance Suggestions
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