Affordable Temporary Health Insurance « Health Insurance Advisory

Affordable Temporary Health Insurance

Short term medical insurance is deisgned for healthy individuals and familes less than age 65 who need a temporary, affordable medical solution due to the transition from one life event to another, such as change in employment or school graduation. Being uninsured for only a short period of time is very risky becasue of the high cost of healthcare. Without medical insurance, you could also find yourself with limited access to healthcare providers.

With an affordable temporary health insurance plan, you do not have to worry about a sudden and unpredictible illness or accident. Since short term medical plans cost much less than individual medical insurance and provide comprehensive coverage, you have piece of mind knowing that you are protected. Short term medical insurance is designed to provide coverage for 12 months or less.  The policy can start the day after your application is approved and the required premium paid.

An affordable temporary health insurance plan is a great alternative for individuals who need health insurance for 1 to 12 months. A short term medical insurance plan may be an excellent alternative if you are:

  • Between jobs and want to maintain continuous health insurance coverage to help protect your HIPAA rights
  • A new graduate without health insurance
  • Recently laid off or between jobs and need medical insurance
  • Newly hired and are waiting for your employer’s group health insurance to begin
  • Recently divorced and need immediate medical insurance coverage
  • Returning from active military duty and looking for employment that provides health insurance
  • In a waiting period and need medical insurance until your new health insurance becomes effective

Other important highlights of affordable temporary health insurance:

  • Plans can be tailored to fit your coverage needs and financial budget (choice of deductible, coinsurance and maximum out-of-pocket)
  • Usually provides coverage for medical expenses, such as:

- Physician office visits
- Lab, x-ray and diagnostic tests
- Surgery
- Hospitalization
- Anethesia
- Mammography and pap smears
- Ambulance
- Prescription drugs

  • Coverage can begin as early as the day your application is submitted with the required premium payment
  • Most states allow you to re-apply for a new short-term medical plan if you need coverage after the policy expires (up to 36 months)
  • Short term medical insurance is subject to medical underwriting. This means each applicant is required to answer medical questions. Depending on the response, the health insurer will either accept or reject the application.

Short term medical insurance may not be right for you if your medical insurance need is greater than one year or you have a serious or significant pre-existing health condition. Once the short term medical insurance policy expires coverage cannot be renewed. This means you must reapply for a new short term medical insurance policy and meet the health insurers medical underwriting guidelines again.

Like most medical insurance, pre-existing health condition(s) are subject to the pre-existing condition limitation. A pre-existing condition is typically defined as a medical condition (ailment, disorder or disease) as a result of an illness or accident that was present twelve months prior to the effective date of the short term medical insurance plan. Since most medical insurance covers pre-existing health conditions after twelve months of continuous coverage under the policy, short term medical insurance will not cover a pre-existing health condition.

It is very important to always answer the medical questions on the health insurance application truthfully. Otherwise, they health insurer may deny your claims stating they were for a medical condition that existed prior to the effective date of the short term medical insurance plan. This is discovered by obtaining your medical records after claims are submitted.

Short term medical insurance is very popular today because the premiums can be as much as 50% less than a comparable comprehensive individual major medical insurance (which is considered permanent insurance).

Get covered tomorrow.  Obtain a quote and apply online for affordable temporary health insurance today.  The process is fast, easy and convenient!

Health Insurance Advisory Tell your friends

Inexpensive Health InsuranceAffordable Medical InsuranceLow Cost Medical InsuranceIndividual Medical Health Insurance |

Online Health Insurance QuotesIndividual Dental Insurance Plans

Denver WordPress Design