Have you recently been laid off? Are you simply waiting for your insurance to kick in at a new job? If you don’t have insurance, you run the risk of devastating medical bills should you experience an unexpected accident or illness. Short term health insurance is designed to help those that do not qualify for one reason or another for regular health insurance.
What Is Short Term Health Insurance?
It’s temporary health care coverage for people without insurance. Most policies cover from one to six months; however, there are some that will offer coverage for up to a year. These plans usually do not cover preventive care, such as immunizations and physicals. Dental, or vision is not covered by most plans, either.
Short term health insurance does cover hospital visits, outpatient doctor’s visits, and lab work. Most have a coverage limit of 1 million dollars in care, but there are some as high as two million.
How You Apply For Short Term Health Insurance
The process is really rather simple. You can visit one of the many sites online to apply, compare policy benefits, and even purchase your policy. You’ll have to answer a few health questions, and if you are already ill, you may not qualify. You can start your policy the next day.
How Much Does It Cost?
The cost will vary from person to person, depending on the level of coverage
you choose, your age, and where you live. However, most short team health insurance is relatively inexpensive when compared to traditional insurance. It can really be a prudent purchase when you think about the rising costs of health care. Just one trip to the emergency can often run into the thousands of dollars.
Filing Claims, Extending Your Coverage, and A Special Tip for Seniors
If you need to file a claim, follow the instructions that came with your policy. Most short term health care insurance plans are accepted almost anywhere, so your claim may be filed by the hospital or physician. If you have questions about your policy, you can call customer service for assistance.
Some companies will allow you to extend your coverage an additional month or two without reapplying. Some may have you complete another quote and application. You may want to consider transferring to a traditional health care plan if you do not see your position changing in the near future.
Seniors up to the age of 64 can also benefit from these health plans. This is a great way to ensure coverage until Medicare can take effect. You will have complete a health questionnaire and be in relatively good health.
In Closing
Short team health insurance is a good way to fill the gap that is often left due to layoffs, new employment, or those that have COBRA insurance. It simply makes good financial sense to protect yourself against the ever increasing costs of medical coverage. If not, you could find yourself in debt to a health care facility for thousands of dollars. Most have deductibles that start out at $250. The higher the deductible you choose, the lower the cost of short term health insurance. Make sure you are covered – no matter what may happen!
Short term health insurance is the perfect solution for individuals in between jobs. It allows you have health insurance, but at a reduced price. Most polices are good for up to six months, but there are several things you should know before you buy. Visit nriol.net to know more about
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