Finding Short Term Health Insurance

September 5, 2008 · 47 views · Filed Under Health Insurance

The day comes when you lose your employment and, at the same time, you lose your medical insurance plan. Luckily, temporary medical insurance is something that can keep you protected until you {get|secure|find} a new position.Â A temporary medical insurance plan will cover your health care needs from the date on which you lose your employment until you become eligible for benefits under another employer’s plan.

Where do you begin looking for a temporary medical insurance plan? Just like many people today, your first stop will probably be one of the major internet search engines and these will provide you with a laundry list of directories. These directories each provide a list of insurance companies that offer temporary medical insurance and even a few that will tell you precisely what it is. Knowing just what temporary medical insurance is and, equally important, what it is not is going to assist you in shopping for the correct plan and stop you from being scammed.

Firstly, each state has its own brand of temporary medical insurance plan to assist you in holding onto the medical insurance from a previous employer. For example, in Minnesota it is known as a Cobra Plan and covers you until you have a new position. Incidentally, state law also states that your employer must notify you of your eligibility for Cobra coverage.

Commercial temporary medical insurance policies usually last for from one to twelve months, although a lot of insurers restrict their policies to six months, and will offer most of the same benefits that are offered on their long term plans. The greatest difference that you will find is that the contract is non-renewable and if you wish to hang on to your coverage you will need to take out a further new plan. Keep in mind that this type of plan is intended only for temporary use and not for long term use.

A few things that will most likely not be covered are preventative care and wellness checks and temporary medical plans will also not normally cover optical or dental care. Additionally, they are also generally quite strict when it comes to denying coverage for pre existing conditions. You can get coverage extended to your your dependents. Finally, you will find that the majority of policies will be priced from about $25 to $100 per month.

Bearing these things in mind, you can start to trawl through your search results and examine the lists of insurers to discover one that will meet your needs.

Another very good place to turn for cover is to your present home or car insurance provider as it is likely that they will also have a medical insurance plan that you can get. If you are getting the plan through your existing insurer, there could well be a discount available for having multiple policies with them.

Your local phone book could also list several places for you to buy temporary medical insurance coverage in your area.

Visit MedicalHealthInsuranceToday.com to discover where to buy private medical insurance and temporary health insurance

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