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How to Get Short-Term Health Insurance

By Edited Nov 5, 2016 0 2

Whether you are in between jobs or waiting for a new health insurance policy to become effective, short-term health insurance can give you peace-of-mind until you get your permanent coverage. This article will provide you with the information you need to know about short-term insurance in regards to what is covered under these type of plans as well as how and where to find short-term health coverage.

The first thing you need to do is to compare as many short term policies as possible. The best method for doing this is on-line since most of the information is right at your fingertips.Be sure to look at the list of items each plan states they will cover and the list of items the policy will not cover. Short-term insurance policies act very much like a permanent policy does with just a few exceptions. Short-term policies are usually available for 1 to 12 months of continuous coverage. Most people opt for a 6 month coverage policy. These policies are non-renewable which is one of the main differences between a short term and permanent policy. Short-term policies usually cover most of the same things a permanent policy does, such as emergency room care, prescriptions, intensive care, labs, x-rays, and some home care services. They do not cover preventative or routine care and usually do not provide coverage for dental or optical services. The insurance companies are very strict when it comes to pre-existing conditions with interim coverage.

Policies can cost anywhere from $25.00 on up to several hundreds of dollars per month. The policies usually come with high deductibles and most require a co-insurance payment of 20 to 50%, which would be the amount of your out-of-pocket expense. Try the web-sites eHealthinsurance.com and Netquote.com to begin your search for prices of these policies. Keep in mind you are under no obligation to purchase the insurance as you are simply obtaining quotes. You are also under no obligation to purchase the insurance until you sign the contract.

Short-term health insurance can be very beneficial to those waiting on insurance to become effective such as with the probationary period many employers have their new employees wait until they can be covered. Short-term coverage is basically to cover a person should they become ill or involved in an accident during the short waiting period until they can get their permanent policy and should not be looked at in the same way. With a permanent policy it is also used for preventative and routine care.
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Comments

Jun 19, 2010 8:52am
caniwi
I'm starting a new job & have to wait 120 days for the company insurance to kick in, so your article made me think of getting some short term insurance in the meantime
Jun 20, 2010 6:52pm
askformore
Great article with good information. From an international (non US) perspective, then you must remember insurance if you travel or study abroad - This can be a 'jungle', and the prices are sometimes very confusing; take your time when you investigate this travel insurance market, - 'shop around'!
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