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The following article was published in our article directory on January 16, 2012.
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Who Benefits Most from Temporary Health Insurance?

Article Category: Business

Author Name: Eric Smith

If you are currently without health insurance for whatever reason, then temporary health insurance can provide you with coverage against catastrophic medical emergencies until you can be covered under a regular policy. Short-term health insurance offers only partial coverage and is mainly designed to help defray the expenses of hospital stays and emergency room visits. As such, it is not the best health coverage solution for everyone who is presently uninsured. So, when should you buy short-term health insurance policies?

If you expect to be covered under a group employment policy soon. For example, if you have a job lined up but you are not yet covered by your company s carrier, you may want to get temporary health insurance until your group health insurance coverage goes into effect.

If you are going to college and are no longer covered by your parents health insurance. Short-term insurance can ensure that you won t be saddled with crippling hospital or other health care bills while you re at school.

If you are starting your own business and can t afford the cost of a regular health insurance policy. Short-term health coverage ensures that you won t have to spend your business assets to pay for hospital costs and other medical expenses.

If you have lost coverage but need to maintain credible insurance coverage under the provisions of the HIPAA to ensure that you cannot be refused coverage for pre-existing conditions or be denied future claims. If you are more than 60 days without health insurance then most providers will require you to reapply and conditions already recognized under your previous policy will become pre-existing again.

It should be noted that temporary health insurance will not cover pre-existing conditions as well as the cost of preventive care such as regular doctor s visits. But if you re healthy, short-term insurance can be a way to tide you over and ensure that you remain covered. Among the services offered by short-term insurance, include hospital and emergency care as well as lab tests and x-rays.

One of the factors that make temporary health insurance so attractive is that the monthly premiums are much cheaper than those of regular policies. Standard short-term health policies generally have monthly premiums that are below $100 and can even be as little as $25. On the other hand, you ll have to accept a big deductible, which can be as much as $2,500 as well as co-insurance of as much as 50/50. This means that you will have to pay more out-of-pocket in case you have to make a claim against the policy.

The best way to find short-term health insurance is to visit online insurance broker sites that allow you to evaluate quotes from several providers by simply filling up a short form. Once you have at least three quotes, you can start looking for the best insurance for your needs. The most important consideration before enrolling for temporary health insurance is to find a balance between the premiums being charged and the maximum payout offered.

Keywords: temporary health insurance

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