There are times when you’ll find yourself temporarily without health insurance. You may be between jobs, just starting a new job or a student who is no longer covered on your parent’s insurance. Temporary insurance can help provide gap coverage for those times when regular health insurance isn’t a possibility. Get yourself a health insurance Florida now.
What Is Short-Term Health Insurance?
Short term insurance is one of the easiest types of insurance to purchase. It is meant to cover major emergency medical expenses for people who are temporarily without other insurance. Sometimes referred to as catastrophic insurance, it is not designed to be your primary health insurance. It won’t pay for preventive health care, routine office visits, and prescriptions for pre-existing health conditions like asthma and diabetes, or treatment for pre-existing conditions. Many temporary insurance policies also have a list of illnesses and injuries for which they limit coverage. Be sure to check the plan you’re considering carefully to be sure that it will cover what you might need it for.
Depending on the deductible you choose, your age and your health condition, temporary insurance can be very affordable. For instance, $30 to $50 a month will purchase a policy with a $250 deductible for a healthy male in his early twenties. Apply now for a Florida blue.
What Will a Temporary Insurance Buy You?
Under the terms of most temporary insurance policies, if you’re involved in an accident that lands you in the hospital with a $50,000 bill, you’ll pay as little as $1,250 for treatment. Before you pshaw at that, consider this: treatment for a broken leg can easily top $10,000 once X-rays, casts and follow-up visits are factored in.
Short term insurance is meant to be temporary, so there are limits to the length of time that you can be covered by a temporary insurance plan. Some companies will allow you to renew your plan once at the end of the term of coverage. Others will make you apply again, but only once. When you apply for temporary insurance, most companies will cover you within 24 hours of your application. Many will issue you a policy immediately.