Many people want to know how temporary health insurance works before they purchase a policy. A very basic explanation is that this type of health insurance protects you in the case of accidents or illness if you have no other type of health insurance. It is designed to be used for short periods of time, ranging from 1 to 6 months. It is possible to arrange to renew the policy at the end of that period of time if you do not have regular health insurance to take care of your need for health insurance.
There are many people who find themselves out of work and therefore without the health insurance that they had with the company. In this case having temporary health insurance covers any medical expenses that might arise while they are looking for a new job or waiting to be rehired. During this time of unemployment you, or another member of your family, could get sick and have to spend all of your savings trying to pay the medical bills.
Temporary health insurance is just that – temporary. People who are self-employed and who do not have a company plan should consider taking out a long term health insurance policy as the temporary policy is not designed to be used for very long. If you are healthy and between the ages of 2 weeks to 65 years old, you can qualify for temporary health insurance. Even if you are new to a country and you are healthy, you can qualify for a policy while you are waiting to get settled and find a job.
It is not difficult to get temporary health insurance. The company you choose will help you with the process and tell you what documentation you need. Most companies will require you to have a medical examination to certify that you are in good health. If you already have a medical condition, this does not mean you will not qualify. Most companies will sell you a policy with the provision that any illnesses or medical bills arising from this current condition will not be covered under this new policy.
If you should be in an accident or get sick while you have a temporary health insurance policy, all of your medications, hospital bills, ambulance needs, treatments and any aids you might need, such as braces or wheelchairs for example, are covered under the terms of the policy.
When you have temporary health insurance you are not compelled to use any particular doctor. You can choose to continue going to your regular doctor. There are some things that are not covered by this type of insurances. For example, if you are intending to travel, the cost of your immunizations are not covered. Dental and eye examinations do not come under this policy nor does any maternity medical bills. Anything that is considered preventative medicine such as regular checkups is not considered as a valid claim on the policy.
The premiums for temporary health insurance are quite low considering the coverage and the peace of mind you get from having a policy. Most policies cost about $ 30 per month for a healthy person in their twenties and the cost rises according to your age. The price may also depend on where you live, because it may be in an area that is considered prone to accidents. There is a deductible associated with this insurance as well. The usual deduction is $250.00 which means that you will have to pay the first $250 of medical bills. Some people might argue that this doesn’t make much sense. $30 a month for 6 months is $180 dollars so when you add in the deductible the policy actually costs $430. Compared to what medical bills would cost you without the insurance, this is a very small amount to pay.
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