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The following article was published in our article directory on January 28, 2012.
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What You Need to Know About Temporary Health Insurance

Article Category: Finances

Author Name: Eric Smith

Temporary health insurance has become an essential instrument in keeping the financial stability of most Americans during a period of change in their lives. The reputation of this health product has improved impressively in the past years while the society becomes more independent from employer-given health benefits.

Importance

Short term health insurance is an affordable way to preserve us from unexpected medical expenses which can leave a large hole in most families' budget.

Who can use it?

Short term medical coverage is typically used by individuals, who are recently employed, changing jobs, not qualified for Medicare, new graduates, part time students or self-employed.

Where is it obtained?

Short term coverage is evenly valid all around the US but policies aren't given in the states of NJ, MA, VT or NY.

Who are not qualified to use it?

A person who has a major present medical condition shouldn't utilize this insurance. This can include women who are pregnant or a pregnant woman's partner. A preexisting condition can be defined as a finding that is found in a person's medical records before the short term policy starts.

How expensive is it?

The coverage usually costs less than 50% of the cost of typical medical insurance. The cost of the premiums is based on sex, age and location. This means that definite savings can differ.

Restrictions

Temporary health insurance policies expire after 6 or 12 months, after which a new policy should be applied for. The coverage does not include medical treatment in places outside the US. For treatments outside the country, you must enroll for another international medical plan.

How to Apply

Application for short term medical coverage is rather quick and simple for people with internet access. Online application can be done in a matter of minutes. IDs and policies are also accessible directly for download and can also be mailed on the following business day.

Extension of Coverage

A lot of people use temporary health insurance for a longer coverage by simply applying for another policy. Although this is possible for healthy people, those who have specific medical conditions must think of other types of policies.

How It Works

If you are not covered with any health policy while you get sick, you may feel sheltered out of insurance. And even if it is true that you have a preexisting condition, there are some ways where you can get some coverage.

Short term health coverage works much like a security plan, allowing you to be free to look for any specialist or doctor that you like. But, most of these plans ask that you get a pre-certification from the insurance company prior to admission to a hospital. If there is no pre-certification, the short term medical coverage may not repay your hospital bills.

Hospital care, surgery, diagnostic tests, emergency services, prescription drugs and follow-up checkups can be included in a short term health policy.

While there are plenty of short term medical plans which can be renewed for a full 3 years, bear in mind that if you obtain a claim from your policy, your insurance company may not renew your policy the next time.

Keywords: temporary health insurance

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