Temporary health insurance is a very good option for anyone who does not have health insurance at the present time, but who hopes to have a more permanent health insurance plan in the near future. Having health insurance protects you and your family if an accident should occur and results in hospitalization or surgery. It is also valuable to have if you, your spouse or your children become ill and need medication. Everyone knows the high costs in paying for medical treatments and when a simple monthly premium will give you peace of mind in this regard, temporary health insurance in invaluable.
All classes of people can benefit from having temporary health insurance. Some of these are:
Students. Students in college usually have a health insurance plan through the college while they are attending classes. Since most students attend college for the fall and winter semesters, they are not covered during the summer when they are taking time off or working at a part time or full time summer job. Since summer jobs for students do not usually include health benefits, students can avail of the option of having temporary health insurance for the four or five months they are not in class. Students who graduate from college can also have temporary health insurance while they are looking for work. Such a policy will assure them they will not have to pay for hefty medical bills in addition to repaying their student loan when they find a position.
Part-Time Employees. When you are employed part time, you usually do not have health benefits through the company. This is reserved for permanent full time employees, so you need to have an insurance policy that will pay your medical bills if anything should happen where you need to have medical treatments. Since part time employees do not usually have paid sick leave, at least knowing you won’t have to dish out large amounts of money when you are already losing your regular pay provides some measure of comfort.
People who have been temporarily laid off. If you have been laid off from your regular job because of a lull in business, but hope to be recalled when business picks up, you can take advantage of temporary health insurance during this period. Since temporary health insurance is for a period of 1 to 6 months, you will more than likely be back at work before the policy expires.
People who are looking for work. With the downturn in business, many people are being laid off every day and are looking for other work to help them pay the bills. You wouldn’t want medical bills added to your regular monthly commitments. Therefore, temporary health insurance helps alleviate the worries about how you would manage if you or someone in your family needed medical attention. By having this temporary health insurance while you are looking for work lets you know that you are covered in the event of an accident.
Those who are self-employed. If you are self-employed you can get temporary health insurance. While insurance companies prefer that you have permanent health insurance, you can get coverage while you are looking for a good policy that will cover all of your needs. Some temporary health insurance plans will not cover dental or eye exams or maternity. You can get a temporary health insurance policy to cover all other medical bills that might occur while you are doing your research.
Anyone who is in good health and is between the ages of two weeks and 65 years of age can qualify for temporary health insurance.
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