Temporary health insurance is insurance that people use for a short term and they can get it for almost any reason. This type of health insurance is available for anyone, whether it is an infant or an older person. When you get sick during the term of your plan, you can get treatment from any licensed health provider.
The usual people who avail of the services of temporary health insurance are those who have been laid off and are between jobs. Students also are good candidates for this insurance because they have insurance in case anything happens to them while they are in college. Students who are in college on a student loan do not have a regular health insurance and need to have protection in the event of an accident or illness. Most colleges have a student health care policy while students are in class. During semesters when students are not considered students, this temporary health insurance will give them peace of mind that it they get sick, the plan will cover their expenses.
Temporary health insurance is not intended for long term use. The usual term of this insurance is from 1 to 6 months. It is intended to help tide you over while you are waiting for your regular health insurance to begin or if you are waiting to start a new job. It should never be used as a substitute for regular, long term health insurance. The whole reason behind the policy is that they protect a person from unforeseen injuries or illness. They cannot be used for routine check ups, preventative treatments, dental or eye care or immunizations you may need for travel.
When you have temporary health insurance, the insurance company is not obligated to renew your policy. If you have used the policy and had claims, the company will probably not allow you to renew the policy because of future claims you may have. The insurance company offers the temporary health insurance hoping that you won’t have to use it, the same as you do. They may accept you again, though, if there is a chance that you will have a regular insurance policy in the near future.
Depending on the insurance company you choose you may have to have a medical certificate stating that you are in good health before they will accept you in a temporary health insurance policy. If you have a pre-existing medical condition, the company probably accept you, but will put conditions on the policy that it will not cover any treatment for this condition. The company also has to protect itself just in case you are looking for insurance due to the high costs of treatment involved for some illnesses.
Once you have regular health insurance, the temporary health insurance policy is void because you cannot take advantage of both at the same time. Doing this will constitute fraud and you could be charged for a criminal offence. Usually medical bills are sent to the insurance company directly from the health care provider, so the provider will only bill one of the insurance companies. If you have to pay the bills and then submit an invoice, there will be a record if you try to collect from both policies for the same bill.
Temporary health insurance is just what the name says – temporary. It can be used by anyone who needs to have peace of mind that the income they have in between jobs or while they are working part time will not all have to go to cover the high cost of medical expenses. Since accidents can happen at any time, with this insurance you know that you are covered and have the bills paid.
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