Do You Need Temporary 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 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 rarely will 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 ways 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.
Bailey Health Insurance Consultants - Provides health insurance quotes and information.
-- http://www.baileyhealthinsuranceconsultants.com
Hastings Health Insurance Center - Provides health insurance quotes for all 50 states.
-- http://www.hastingshealthinsurancecenter.org
Canadian Life and Health Insurance Compensation Corporation (CompCorp) - Provides Canadian life insurance policyholders with specified levels of protection against loss of benefits due to the financial failure of a member company.
-- http://www.compcorp.ca/
Children's Health Insurance Issues - A number of articles within the Department of Health and Human Services Office of Health Policy.
-- http://aspe.os.dhhs.gov/health/kids.htm
Insurance.com: Learning Center - Provides articles and resources on auto, life, homeowners and health insurance.
-- http://www.insurance.com/LearningCenter/LearningCenter.aspx
BUPA Ireland - Health Insurance and online quotes for Irish people.
-- http://www.bupaireland.ie
Great American Insurance Company - Engaged primarily in specialty property and casualty insurance businesses and in the sale of retirement annuities, life and supplemental health insurance products. A division of American Financial Group.
-- http://www.greatamericaninsurance.com/
USA - New Mexico Health Insurance Alliance - The Alliance is a non-profit organization created by the state legislature to provide increased access to voluntary health insurance for small businesses, self-employed and qualified individuals.
-- http://nmhia.com/
Virginia Health Insurance - Providing Virginians with affordable, low cost, health insurance for individuals, small business, & self employed. Benefits, quotes, and contact information.
-- http://www.virginiahealthinsuranc.com
Purchasing Alliance Solutions, Inc. - Provides health insurance coverage sponsored by Chambers of Commerce, located in Marietta, Georgia.
-- http://www.purchasingalliance.com/
US Medical Alliance and Health Insurance Foundation - A not-for-profit service organization formed to help fulfill the needs for modern healthcare and health education in developing and under-developed nations.
-- http://www.us-mahif.net
HealthInsurance.info: Guide to Health Insurance Concepts and Options - comprehensive guide to health insurance concepts, plan options, and recent developments in the field
-- http://www.HealthInsurance.info
First Health Insurance - Private medical insurance broker with services to the expatriate market. Details cover, FAQ and contact information.
-- http://www.fhi.co.uk
MBF Health Insurance - Health funds and private healthcare insurance for singles and families.
-- http://www.mbf.com.au
Independent Insurance Agents & Brokers of America (IIABA)> - A resource for consumers, media, and insurance professionals. Includes natural disasters tips; guides to auto, business, home, life, and health insurance; and consumer studies.
-- http://www.iiaba.org/
Homepage - America's Health Insurance Plans ... Health Insurance Plans (AHIP) is the voice of America's health insurers. AHIP is the national trade association representing nearly 1,300 member companies providing health insurance coverage to more ... www.aahp.org 8/15/2005
Health Insurance Quotes, Medical Insurance, Individual Health ... Health Insurance quotes, short-term health insurance, medical insurance quotes, individual health plans, small business health insurance, dental insurance health, insurance, quotes, medical, dental ... www.ehealthinsurance.com/ehi/index.html
Health Insurance affordable health plans at HealthInsurance.com ... com: Specializing in health insurance, affordable, small business, medical, dental, group, and travel insurance, health plans, ppo and individual health insurance health insurance,travel insurance ... www.healthinsurance.com
Health Insurance Quotes ... medical, insurance, medical insurance Affordable Health Insurance Quotes - Compare leading health insurance companies- Get FREE Health insurance Quotes Now! Health Insurance Quotes Life ... health--insurance.info
|
