Temporary Health Insurance Tips / FAQs
These tips for getting temporary health insurance and the list of answers to frequently asked questions should provide valuable information for anyone who wants more information about temporary health insurance and how it can benefit them. Temporary health insurance is designed to help you in the interim period when you don’t have any health insurance, when you are in between jobs or in between semesters at college.
How do I get temporary health insurance?
There are many online insurance companies you can contact for a quote and they will get back to you within 24 hours, either by email or by telephone. If you had a health insurance plan with your company, you can talk to one of the representatives about getting temporary health insurance from the same company until you are rehired or get another job.
Who can apply for temporary health insurance?
Anyone who is in good health and is between the ages of two weeks and 65 years of age can apply.
Who is eligible for temporary health insurance?
If you are in good health and you need a temporary coverage for a period of 1 to 6 months, you will probably be eligible. Students and those who have been laid off from a job and are looking for work are the people who usually look for this type of insurance.
Who is not eligible for temporary health insurance?
If you have been previously denied health insurance, you will not be able to qualify for temporary health insurance. Most companies will not accept anyone with a pre-existing medical condition, those who are pregnant, those who work in dangerous occupations, those who play professional or college sports and anyone over 65 years of age.
What is covered under temporary health insurance?
Temporary health insurance covers any medical costs that are the result of an accident or illness that occurs during the term of the policy.
How much of the costs does the policy cover?
You are responsible for the deductible included in the terms of the policy. Any amounts over the amount of the deductible are paid depending on your policy. The usual plan is that the policy pays 80% of the first $5000 and 100% of everything that is over $5000.
What health care providers can I use?
There is no restriction on the health care providers. You have the freedom to choose your own doctors and facilities.
How long will I have coverage for?
You will have coverage for the length of time specified in your policy up to 6 months or until such time as you have a regular health insurance plan under a company that you go to work with.
Can I renew my policy?
Usually the policy cannot be renewed past the 6 month period, although special circumstances may apply. You need to talk to your insurance representative if you need extra coverage.
Can I make changes to my policy?
No changes are permitted with a temporary health insurance policy once your application has been submitted.
Can I choose a payment plan or do I have to pay in advance?
You can choose to pay in advance or you can pay a monthly premium. You can pay by check or money order on the 30 th day of each month of the policy or you can choose to have it automatically charged to your credit card. You can also choose to have it automatically deducted from your bank account.
When you are looking for temporary health insurance, you should request quotes from several different companies. The quotes are free and you are not under any obligation to accept any quote you receive. Having several quotes allows you to compare the prices and policies and choose the one that best meets your needs.
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