Finding yourself between jobs can be a very frustrating experience. Your income is limited or nonexistent. YouвЂ™re spending hours every day researching new job opportunities and going to interviews. You may even find yourself considering a career change. With all of this going on, it can be easy to forget that you and your family are without insurance if you had previously received it through your employer. So what do you do? Temporary health insurance may just be the answer for you.
What is Affordable Temporary Health Insurance?
Temporary health insurance, which is also called short term health insurance, is an insurance plan that gives you coverage when youвЂ™ve lost your job or are between jobs, until you are eligible for coverage under your new employer. Unfortunately, it can be very difficult to find “. Many plans will not cover preexisting medical conditions. Others only cover major medical expenses and do not cover minor needs such as dental or vision problems. Some policies do not allow you to renew coverage after the initial period of coverage is over, and some will limit you to renewing only once or twice. All of these factors make finding affordable short term health insurance seem like a very difficult problem, but it is not a hopeless cause.
What do You Need in Affordable Temporary Health Insurance?
The first step to finding affordable short term health insurance is to determine what your needs are. If you know you will need dental coverage while you are out of a job, you need to look for a plan that will cover this type of expense. There are so many different coverage periods of temporary health insurance available that you can find one that fits your needs perfectly. When you find plans that seem to fit your needs, line them up side by side and compare them. Some plans will be more expensive than others, but provide better coverage, and the cheapest plan is not always best, as it may end up costing the most in the long run as medical bills come in. Look at more than just the price tag in order to find good “. You want to find a plan that fits your medical needs and your budget perfectly.
Other Types of Affordable Temporary Health Insurance
There are many good reasons to have temporary health insurance other than being between jobs. Short term disability insurance usually covers a period of about 3 to 6 months after a disabling disease or injury. If you become disabled, there is 1 to 2 week waiting period before your insurance kicks in. Then your insurance benefits will pay out for the length of the coverage. This type of ” serves as a paid sick leave but doesnвЂ™t really offer good coverage against permanent injuries. It must be secured before an injury or sick leave occurs, and requires the insured to plan ahead for a вЂњjust in caseвЂќ. Short term insurance for seniors has become increasingly popular in the last several years. Many seniors have a very hard time finding insurance, because they are more of a risk to insurance companies. Temporary insurance for seniors could cover as little as one month and as much as a year. Temporary travel insurance is another form of short term insurance. This type of insurance covers people as they travel around the world. The options are endless, so you should consider where you will be traveling as well as your medical history in order to determine what kind of coverage you will need.
Compare Quotes for the Most Affordable Temporary Health Insurance
No matter what type of plan you are looking for, it is important to get short term insurance quotes from to begin your coverage process. The options may seem overwhelming, so it can be very helpful to decide ahead of time what coverage you will need and then only look at plans that will cover those specific things.
WeвЂ™d like to take some of the work out of finding the perfect temporary health insurance! Just enter your zip code at the top of this page and we will give you a free temporary health insurance comparison quote today.