You can buy temporary health insurance just about anywhere these days. You can look online, visit or call an insurance agent. You may be able to purchase a policy through your employer or a travel agent for traveling out of the country.
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When purchasing temporary health insurance the plans will differ greatly depending on your individual or family needs and for getting temporary insurance.
What kinds of temporary health insurance are there?
There are two forms of temporary health insurance. For instance, there is temporary health insurance that you purchase for travelling out of the country, or you can purchase temporary insurance for coverage when you are going to be without for a short period.
This second scenario usually occurs when you are in between jobs, recently retired and waiting for Medicare, or away at school and your parent’s coverage is not effective in the state you live.
What kinds of temporary insurance are for traveling out of the country?
There are short-term health insurance policies for traveling out of the country. These are purchased by individuals for individual coverage. However, many policies will cover the children of the individual at no additional cost.
Coverage lasts anywhere from five days to one year. Most policies pay for physician visits, hospitalizations, and evacuations back to your home country.
Another form of temporary health insurance for traveling out of the country includes coverage for employees travelling internationally or for groups of five or more traveling internationally. Coverage on these policies can be arranged for five days up to one year. These types of policies can also be beneficial for families of five or more.
The group policies also cover physician visits, hospitalizations, and evacuations to the country of residence.
Where can I purchase temporary health insurance for traveling out of the country?
You can purchase temporary health insurance for traveling out of the country online, through an insurance agency by either speaking with one in person or by phoning an agent. Travel agents also sell medical policies when traveling abroad. You may also be able to purchase a policy through your employer especially if you travel out of the country on a regular basis for business.
What temporary insurance is available for when you are in between jobs?
There are many companies, which offer temporary insurance for when you are in between jobs. The coverage varies depending on the plan and the state you reside. Many plans offer benefits for unexpected illnesses and accidents but do not pay for doctor’s visits. Other plans do provide benefits with required co-payments for physician visits, prescription coverage, and choice of deductible amounts.
You also have the ability to choose between HMO, PPO, POS, and pay-for-service plans. Other options include riders and extent of the time of coverage. Your coverage may only be for three months or last up to one year depending on your needs.
Where can I purchase temporary insurance for when I am in between jobs?
You can purchase temporary health insurance for when you are in between jobs through an insurance agency or broker either online, at an office, or by phoning an agent.
Of course, you can always continue paying for insurance from a previous employer through COBRA, which is an abbreviation for Consolidated Omnibus Budget Reconciliation Act. Through this program, you pay the majority of the insurance cost, which can often be quite expensive. If you would like further information on COBRA, check their website.
How long can I wait before getting temporary health insurance?
You should have no problem obtaining temporary health insurance, provided you do not go more than 60 days without health insurance. When individuals wait more than sixty days to obtain medical insurance, you can risk being accepted by a reputable company. In addition, if you suffer from any pre-existing conditions, you cannot get temporary medical insurance.
Most temporary health insurance policies can take affect within days of enrollment. Each company is different so be sure and ask what the waiting period is so as not to risk obtaining a reliable medical insurance policy.
What temporary insurance is available for when you are going away to school?
There are many insurance companies, which offer health insurance policies for students while they are away at school. These policies usually cover:
- Physician visits
- Emergency services
- Prescription drug care
- Vision care
- Hearing care
However, the policies vary depending on the coverage and state the student resides.
Many student policies are limited in what they cover so be sure and verify the plan before purchasing the insurance.
Where can I purchase temporary insurance for students?
You can often purchase temporary health insurance for students through:
- The college or university
- Through your current insurance company
- Through an insurance agency either online, in phone, or in person.
What temporary insurance is available for when you are waiting for Medicare?
As of 2010, the Health Care Reform Act has provided government funding to help cover retirees prior to being eligible for Medicare. The temporary coverage can be purchased through employers, state and local governments, and unions. Health insurance companies will also be able to offer temporary health care plans.
Coverage will vary depending on the plan, but you should look for benefits that cover:
- Doctor’s visits
- Emergency services
- Prescription drug coverage
- Mental health care
- Mental health benefits
You can compare temporary health insurance policies online by entering your zip code now!