Medical Health Insurance
Short term medical health insurance, or temporary health insurance, is simply a short-term coverage policy. It might be a policy taken out by an individual to cover a gap in health insurance between jobs or it might be a medical health insurance policy taken out to cover an individual while they finish school. There are numerous scenarios where a short term medical health insurance policy would come in handy.
Generally speaking, short term medical health insurance is not any cheaper than other policies. The company providing the insurance is not going to make their money in premiums over the long haul, but they also may not have any pay outs either. Temporary health insurance is not a risk for the company, but it’s not much of an asset either. For this reason, basic coverage isn’t going to be astronomically expensive, but it isn’t likely to be a bargain.
Premium costs aside, short term medical health insurance can provide coverage during a gap in insurance due to job loss, job change, school, or another situation. In most cases, it’s best to secure a short term policy before your previous coverage becomes ineffective because the longer you go without health insurance, the more difficult it may be to get new coverage. Additionally, you should always avoid being unprotected against unforeseen medical emergencies. A major medical incident can easily equate to medical bills that would take years to repay.
When looking for a short term medical health insurance policy, you should consider the length of coverage to decide which plan is best for your situation. If you are only in need of 3 to 6 months worth of coverage, go with the highest deductible you can afford and the lowest premium cost. This will save you money while ensuring you are covered in the event of a major medical expense. Even if you need the policy for longer, remember that your deductible applies to a calendar year and odds are, you will only meet your deductible if you incur major medical expenses from hospitalization. You might even consider purchasing major medical insurance only, which means only hospitalizations are covered and you pay cash for routine doctor’s appointments.
Even if you are without health insurance coverage for a very short time, say weeks rather than months, it is important to know that you have some type of coverage. You may be surprised just how affordable a short term medical health insurance policy is and the peace of mind it brings you is likely well worth the cost. Contact an independent insurance agent to receive quotes and coverage information. In the short-run, you can probably get by with a minimal amount of coverage as long as you know that better long-term coverage is in your immediate future.
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