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Finding Short Term Health Insurance

The day arrives that you lose your job and, as a consequence, you lose your medical insurance plan. Fortunately, temporary medical insurance is something which can keep you going until you [get|secure|find} a new position. A temporary medical insurance plan will cover your health care needs from the time you lose your job until you become eligible for benefits from your new employer.

But just where should you begin to look for a temporary medical insurance plan?  Just like many people nowadays, your first stop will possibly be one of the major online search engines and these will produced a laundry list of directories. These directories each give you a list of companies which offer temporary medical insurance and even a few which will tell you exactly what it is. Knowing exactly what temporary medical insurance is and, more importantly, what it is not is going to help you in shopping for the correct plan and keep you from getting scammed.

First of all, each state has its own brand of temporary medical insurance plan to help you in holding onto the medical insurance from a previous employer. For instance, in Minnesota it is known as a Cobra Plan and will provide you with cover until you get a new position. Incidentally, state law also requires an employer to tell you about your eligibility for Cobra coverage.

Commercially available temporary medical insurance plans normally run from one to twelve months, though a lot of insurers restrict their plans to six months, and will offer many of the benefits which are provided on their long term plans. The greatest difference you will see is that the policy is not renewable and if you want to hang on to your coverage you will have to arrange a further new plan. Remember that this form of plan is intended only for temporary use and not for long term use.

Some things which will probably not be covered are wellness checks and preventative care and temporary medical plans will also not usually provide cover for optical or dental care. In addition, they are also usually quite strict on denying coverage for pre existing conditions. It is also usually possible to get coverage extended to your your dependents. Lastly, you will find that the majority of plans will range in price from about to 0 a month.

Keeping this in mind, you can start to trawl through the results of your search and examine the lists of insurance companies to discover one which will meet your needs.

Another good place to turn for cover is to your own car or home insurance provider as it is possible that they will also have a medical insurance plan which you can get. And, if you are getting the plan through your own insurance company, there might be a discount available to you for having multiple plans with them.

Your local phone book might also list several places from which you can buy temporary medical insurance coverage in your area.