Affordable Temporary Health Insurance

Short term medical insurance is deisgned for healthy individuals and familes less than age 65 who need a temporary medical insurance plan because of transition from one life event to another, such as employment change or 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 it difficult to obtain healthcare.

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 and your family are protected.  Short term medical insurance is designed to provide protection for less than 12 months.  Coverage can also start the day after your application is approved and the applicable premium is 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 right for you 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

• On COBRA continuation coverage and the premiums are too expensive or the COBRA time frame is about to expire

• 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 underwriting. 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 pre existing health conditions.

It is very important to always answer all health questions truthfully, otherwiswe the health insurer may deny the payment of claims for a condition that was pre existing.  This is usually discovered by obtaining the insured’s medical records after a claim has been submitted.

Short term medical insurance is very popular today because the premiums are significantly less than individual medical insurance (which is considered permanent insurance).

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

Affordable Temporary Health Insurance, Inexpensive Dental Insurance and Prescription Drug Card

• Prescription Drug Card

  Are you paying for costly prescriptions out of your own pocket? Do you not have prescription drug coverage under your existing medical insurance plan? Save money on prescription drugs immediately with a no hassle low cost prescription drug card card. There are no pre-existing condition limitations or health questions to answer. Use the card immediately for instant savings. It is great for the entire family. Everyone qualifies, even children!

  Special features of the prescription drug card include:

  • Low cost – prices start as low as $19.99 per month
  • Convenient- accepted at 55,000 pharmacies nationally, such as Target, Walgreen’s, Long’s,  CVS, Costco, Publix and Save-On
  • Automatic, guaranteed acceptance- no underwriting or health questions
  • No restrictions- pre-existing condition limitations do not apply
  • No monthly or annual benefit payment maximums or caps- purchase as many medications as you need

  The prescription drug card uses a four tier formulary:

  • Tier 1 > generic drugs – you receive a benefit payment of up to $10.00
  • Tier 2 > brand name and select generic drugs – you receive a benefit payment of up to $20.00
  • Tier 3 > brand name and select generic drugs – you receive a benefit payment of up to $50.00
  • Tier 4 > brand name drugs – special discount only, no benefit payment

  

  Get the most out of the prescription drug card by having your doctor prescribe medication within Tiers 1, 2 or 3. A generic, lower cost prescription medication within the same therapeutic class can often replace a moreexpensive brand name drug. If you choose the higher price brand name drug, however, you will receive a significant discount off the retail price of the drug.

  Tier 1 medications (card pays up to $10 per Rx), include:

  	Tier 1 – Up to $10 Payment	Dosage	Quantity
  	Glyburide	2.5mg	30 Tabs
  	Allopurinol	100mg	30 Tabs
  	Digoxin	.125mg	30 Tabs
  	Amoxicillin	250mg	30 Caps
  	Penicillin	250mg	30 Tabs
  	Tetracycline	250mg	30 Caps
  	Estradiol	1mg	30 Tabs
  	Propranolol	40mg	30 Tabs
  	Trazodone	100mg	30 Tabs
  	Alprazolam	.25mg	30 Tabs
  	Hydrocortisone	2.5%	30 gm
  	E.E.S.	400 Tabs	30 Tabs
  	Atenolol	50mg	30 Tabs
  	Lisinopril	10mg	30 Tabs
  	Furosemide	40mg	30 Tabs

  Tier 2 medications (card pays up t0 $20 per Rx), include:

  	Tier 2 – Up to $20 Payment	Dosage	Quantity
  	Minocycline	50mg	30 Caps
  	Sulfasalazine EC	500mg	30 Tabs
  	Naproxen EC	375mg	30 Tabs
  	Amoxil Chw	400mg	30 Taps
  	Enalapril	5mg	30 Tabs
  	Piroxicam	20mg	30 Caps
  	Amaryl	1mg	30 Tabs
  	Lanoxin	.25mg	30 Tabs
  	Synthroid	100mcg	30 Tabs
  	Ranitidine	300mg	30 Tabs
  	Etodolac	200mg	30 Cabs
  	Zolpidem	10mg	30 Tabs
  	Fluoxetine	20mg	30 Cabs
  	Dilantin	1000mg	30 Cabs
  	Glucotrol XL	2.5mg	30 Tabs

  Tier 3 medications (card pays up t0 $50 per Rx), include:

  	Tier 3 – Up to $50 Payment	Dosage	Quantity
  	Accoloate	10mg	30 Tabs
  	Buspar	5mg	30 Tabs
  	Bactroban cream	2%	15 gm
  	Diovan	40mg	30 Tabs
  	Cardene	30mg	30 Caps
  	Lortab	10mg	30 Tabs
  	Kenalog Lotion	.01%	60 gm
  	Paroxetine Hcl	20mg	30 Tabs
  	Rampiril	5mg	30 Tabs
  	Cytomel Tab	50mcg	30 Tabs
  	Macrodantin	25mg	30 Caps
  	Topicort LP Cream	.05%	15 gm
  	Allegra	60mg	30 Tabs
  	Premarin	.625mg	30 Tabs
  	Glucophage XR	750mg	30 Tabs

  Tier 4 medications (discount only), include:

  	Tier 4 – Discount Only
  	Actonel	Actos	Ambien
  	Amerge	Atacand/ HCTZ	Avandia
  	Avinza	Cipro XR	Concerta
  	Cozaar	Crestor	Detrol LA
  	Foradil	Hyzaar	Ketek
  	Lexapro	Lipitor	Lotrel
  	Lumigan	Mobic	Nexium
  	Novolog	Paxil	Travatan
  	Valtrex	Viagra	Zetia

  Since this prescription drug card pays up to the fixed payment for drugs specified in each tier indicated above, it is not considered insurance.

  Start now by enrolling in this hassle-free prescription drug card program. It is fast, easy and online. If within 10 days of purchase you are not satisfied and have not used the prescription drug card, then return the prescription drug card program for a refund.

  At healthinsuranceadvisory.org, we help you secure low cost medical insurance and inexpensive dental insurance. Get affordable medical insurance quotes and apply online from healthinsuranceadvisory.org today.

• Inexpensive Dental Insurance

  Having full coverage dental insurance is affordable. With many types of plans to choose from, it is easy to secure an individual dental insurance plan that fits your budget. You can even keep your current dentist! Regardless of where you live, from California to the Carolina’s, we can help you find an inexpensive dental insurance plan.

  Studies show that individuals without full dental coverage are likely to skip preventative dental care (exam, cleaning and x-rays) and visit the dentist only when there is a problem. According to the American Dental Hygienists’ Association, oral health is a critical component of total health. Dental caries (decay) is the most common chronic disease nationally and is preventable through the use of fluoride and dental sealants which cost 50% less than one silver filing.

  Did you know the cost of restorative treatment is more expensive than preventive services (see chart below)?

  	Average Cost of Common Dental Procedures	Min. Cost	Max. Cost
  	Exam & Cleaning	$86	$110
  	Complete X-Ray Series	$123	$171
  	Filling	$119	$181
  	Root Canal	$1,315	$2,351
  	Crown	$1,144	$1,443

  The Coalition for Oral Health, representing a wide spectrum of oral health associations, reported that $1 spent for prevention saves from $8 to $50 in restorative care!

  Full Coverage Inexpensive Dental Insurance- covered services

  Most inexpensive dental insurance plans provide payments for the following dental services:

  1. Preventive: cleaning, exams, sealants and fluoride treatment

  2. Diagnostic: bitewing x-rays and full mouth x-rays

  3. Basic: fillings, simple extractions and repairs

  4. Major:

  • Oral Surgery
  • Periodontics – treatment of diseases affecting the gums and supporting structures
  • Prosthodontics – replacement of missing teeth and related mouth or jaw structures by bridges, crowns, dentures or other artificial devices
  • Endodontics – treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals

  Some individual and family dental insurance plans have waiting periods, while others may increase the percentage the dental insurance policy pays toward covered dental services every year you have the dental insurance plan.

  Benefits of Inexpensive Individual Dental Insurance

  Individuals, families, retirees and students purchase full coverage dental insurance for many reasons, the more common being:

  1. Financial protection – without some form of dental insurance to help cover the expense of dental care, the cost of paying for expensive dental procedures, such as restoration, surgery, endodontic and periodontal services is simply not affordable.

  2. Maintenance of a healthy mouth and overall wellness – studies show that regular dental check-ups and cleanings help promote overall health. That is why most individual dental insurance plans pay 100% for a routine exam and cleaning every six months.

  3. Prevention – from fluoride treatment to sealants and braces, children can benefit significantly from regular professional dental care. An individual dental insurance plan makes the cost of preventive care more affordable,, so you do not have to put off dental care until you have a problem.

  Get an online quote and enroll for an inexpensive dental insurance plan today from healthinsuranceadvisory.org!