COBRA
is a waste of money if you are healthy. For people who
are looking for a flexible plan that covers for a short
time period and offers protection against unexpected
health care expenses, consider temporary health
insurance. These plans offer full major medical benefits
at a fraction of the cost of most other types of
policies. This is full coverage insurance that will
provide benefits for any new illness or injury like any
other much more expensive plan. These products have been
approved by the Department of Insurance in each state
that they are available as an insurance product. This
means these are not discount plans. If you are healthy
and on COBRA, 64 years old and waiting for Medicare to
start, waiting for benefits to start for a new job, or
going overseas or to a camp that requires coverage,
short term insurance can give you the coverage you need
and save you money. So, you can still have the security
and stability you are used to with your coverage for a
fraction of the cost. You decide how long you need the
coverage if it is just 30 days or 365 days.
Simple. Fast. Affordable.
Click
Here
Many
companies do not allow coverage for minors without being
added to a parent's plan. These temporary plans are
available for child only coverage and can be very
helpful if they have a camp that requires coverage or
there is a waiting period before benefits start at a new
job. You get coverage for unexpected illnesses and
accidents. Pre-existing medical conditions and routine
doctor visits are not covered. You can get coverage as
early as the next day once you answer just a few simple
questions about your health. Short term health insurance
is a low-cost option for your needs. Most people are so
surprised at the savings they call us for verification
that it is actually insurance. We are happy to inform
them that we do have solutions for them. It takes less
than five minutes from getting a quote to getting your
cards and policy packet emailed to you. This is a simple
issue policy meaning that there are questions about your
medical history that you will have to answer to qualify.
But you will know within 5 minutes if you qualify for
this plan or not. The insurance companies will not
require a physical or separate review of medical
records.
These
insurance plans do have exclusions that you need to be
aware of. They provide coverage for any new illness or
injury subject to a deductible and co-insurance. All
medical policies used to be like this. Co payments for
doctor visits and prescription drugs are expensive
benefits that are great if someone else is paying for
your monthly premium through your work. But if you have
to pay for the coverage yourself, you can save that
money and still get the same security as the most
expensive plans if you are hospitalized, have to have
surgery, or go to the emergency room. Some companies
cover prescription drugs like any of the other medical
expenses (subject to the deductible and co insurance).
Other companies don't offer insurance benefits for
prescription drugs but they will offer a discount
program for drugs. The reason they eliminate these
benefits is to pass the cost savings on to you. We would
be glad to provide you full coverage with copayments for
doctor visits and prescriptions but they will likely
cost much more and the eligibility for coverage will be
much more strict. If you are not sure which plan is
right for you you can call or email us and we will
gladly make recommendations based on your situation.
Everyone is different. There is no one size fits all.
We always look out for the
best deals on temporary medical plans. We are insurance
people, not internet people. We provide the links we get
directly from the companies themselves that have all the
security and privacy protections required by the HIPPA
laws. The links on the left side of the page are for the
best companies in the temporary insurance market. All of
these plans are approved by the department of insurance
and are full major medical coverage's at a fraction of
the cost.
The market changes constantly
and different plans are better than others for different
situations, states, and problems. Rates and benefits
change. New plans are introduced and old plans are
sometimes discontinued. You don't need to search other
sites for temporary insurance plan information because
we do all the searching for you. If you have any
questions, we are just a phone call away at
866-373-4948!
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Travel
Medical Insurance
