Purchasing Temporary Health Insurance
There may be times in your life when you need to purchase temporary health insurance, for whatever reason. When you do, it's good to know what your options are with regards to this important form of health insurance.
Today, most businesses offer their employees some kind of option for permanent health insurance. Unfortunately, employees are often required to have worked for a company for a number of months, even years, before they are eligible to receive such benefits. Even when they are eligible, the insurance plans themselves often take some time to activate. Additionally, a lot of people find themselves moving from one company to another these days, quitting or being laid off long before their eligibility for benefits rolls around. For this reason, many people today rely on temporary health insurance to provide their much needed coverage during these in between periods.
To find temporary health insurance, you should contact a medical insurance agent. It is helpful to know how long you will be without insurance ahead of time so you can tell the agent exactly how long you'll need your temporary plan for. The premium on a temporary health insurance plan is often much higher than normal, though asking for a higher deductible is one way to help offset this. Make sure you carefully read over the details of the plan before you sign anything, often times temporary coverage has a long list of 'exclusions' that may render the plan ineffective for your needs. It is also very important that you keep track of all medical receipts, records, and transactions so that you can file any claims you make more effectively.
Unlike more permanent plans, temporary health insurance usually allows you to see any doctor, or go to any clinic or hospital for treatment. However, temporary plans will rarely cover preexisting conditions, or health costs related to pregnancy and childbirth. Many short term insurance plans do not cover prescriptions, but offer such coverage at an additional fee. Because of the high cost of medication, and their wide spread use to treat a variety of conditions, it is usually recommended to pay any extra costs to have them covered.
Though they have their drawbacks, temporary health insurance plans are the only way to ensure your coverage during periods in which your permanent plan is inactive. Short-term programs can include coverage for your spouse and dependents, and can usually be extended without very much hassle if needed. If you have recently lost medical coverage, or are waiting for new medical coverage to begin, it is recommended that you sign up for a temporary health insurance plan as soon as possible.
