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The following article was published in our article directory on January 10, 2012.
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Understanding the Common Terms in Temporary Health Insurance Quotes

Article Category: Finances

Author Name: Eric Smith

If you ve decided to get quotes for temporary health insurance then you may feel intimidated by some of the terms used. Here is a brief explanation of some of the most common terms you ll encounter in insurance quotes so that you can make an knowledgeable decision as to which short-term health insurance policy best meets your needs.

Deductible. This is the amount you are expected to pay out-of-pocket for your medical costs during the term of the policy before the insurance provider begins paying off on your claim. To illustrate, if the deductible on your policy is $1,000 then and your total health expenses are $2,000 then you will have to shoulder the first thousand and the insurance company will only start paying benefits on the second thousand. Choose a plan with a deductible you think you can afford if you have to make a claim on the policy.

Coinsurance. Once you've paid the deductible, coinsurance is the amount that you'll have to pay for covered medical services. For example, if your coinsurance is 20|that means you'll have to pay $20 if the medical bill is $100, with the insurance company answering the remaining $80.

Copay. This is a fixed fee that you will have to pay for covered services, i.e. a $40 copay for doctor s consultations.

Annual Out-of-Pocket Costs. This is the maximum amount that you are required to pay for covered services that may include the deductible. For instance, if the limit is $4,000 then you will not pay more than this amount for your covered health expenses over the life of the temporary health insurance policy.

Lifetime maximum. This is the maximum amount of health benefits that the insurer will pay over the lifetime of the insured individual. To illustrate, if the lifetime maximum is $3 million once the person has used up this amount he can no longer claim any benefit from the insurance provider.

Indemnity plan type. This is one of the most familiar plan types for temporary health insurance. Under an indemnity health insurance policy, you have the liberty to visit any health care provider you want, but you will have to pay for their services on a fee-for-service basis, with the insurance provider paying for a set amount or percentage of total charges once you ve fulfilled the deductible requirements.

Maximum duration. This is the longest period of time that you can be covered under this particular policy. For example, if a certain short-term plan has a maximum duration of six months with one-month coverage, it means that you are covered only for thirty days, after which you must apply again and you cannot be renewed past a six-month period.

Note that for most short-term health policies there may be other fees included apart from the basic premium that can significantly increase the amount you ll have to pay so you should also consider these hidden fees when considering whether or not you can afford a particular temporary health insurance policy.

Keywords: temporary health insurance

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