Anyone can get temporary health insurance. This is a very popular type of insurance policy because it helps you get the insurance you need in between jobs or when you have just been laid off. The amount you have to pay for this insurance is negligible when you consider what you might have to pay if you get sick or are in an accident. The requirements for temporary health insurance are that you be in good health and between the ages of two weeks and 65 years of age.
Temporary health insurance is for anyone who does not have a permanent health insurance plan through the company they work with. Part time employees rarely have any health benefits because they are classified as casual workers. Having temporary health insurance while they are trying to get hired full time is a very affordable option. It is also good for students or for people who have been laid off from their job and are looking for work or expecting to be recalled in the near future.
The idea behind having temporary health insurance is to provide peace of mind to those who are used to having health insurance and for one reason or another now find themselves without it. Most people do not even know that they can get short-term insurance and end up paying away thousands of dollars in medical bills when they could have saved themselves the worry by simply taking out a policy and paying a small monthly premium.
The main intention of temporary health insurance is to cover illnesses or accidents, which may occur during the period of the insurance. It usually does not cover any pre-existing medical conditions. In this case the insurance company will have to start paying out money right away and it is hoping that when you buy a policy you will never have to use it, and they will make a profit. That is why the insurance company requires that you be in good health before they will give you a policy. If you do have a medical condition, that does not mean you cannot get temporary health insurance. You can have a policy that excludes this condition or any illnesses that may result from it.
You can take out a temporary health insurance policy for members of your family. Many parents do this for older children who no longer qualify under their company plan. This helps them know that while the children are looking for a job or are attending college their medical bills will be covered if anything should happen. However, these children must not be living on their own- they have to still be residing in the family home.
When you take out temporary health insurance, you and your spouse will be covered as long as both of you are under 65 years of age. While most temporary health insurance plans are not renewable, the company may allow you to renew for up to 12 months if you are looking for a job and have been unsuccessful in your search,
A temporary health insurance policy usually does not cover dental or eye exams, maternity or any preventative medicine, such as regular doctor’s checkups or immunization shots. Neither does it cover anything connected to maternity. If you do need to make a claim on the policy you will also be subject to the deductible in the policy. This is the amount you will be responsible for before the policy pays any bills. The usual deductible is $250.00.
You will not be eligible if you already have a health insurance plan, if you play professional or college sport, if you work at a dangerous job, if you are pregnant or if you have been previously turned down for health insurance.
Temporary health insurance is so affordable, you can’t afford not to have it, not just for the money it will save you, but for the peace of mind it will give you.
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