For young and healthy individuals, temporary health insurance plans offers lower premiums. You can choose from a variety of options available ranging from basic coverage to a type of comprehensive plan that has a wider coverage. There are people who purchase their insurance only when they are afflicted with major diseases that are catastrophic in nature.In this case, a temporary health insurance policy is best fit for them and it covers a period of 3 to 12 months. One of its advantages is that it allows you to choose your preferred doctor and hospital and it offers a low deductible. Just like most health insurance coverages, this short-term plan covers hospital care, surgery, emergencies, x-rays, blood tests and a lot more.
However, one of its disadvantages is it does not accept pre-existing conditions due to its short duration, and in order to keep the cost of its premiums low. Another disadvantage of temporary health insurance is it requires you to submit a pre-certification for a list of medical services. Further, your deductible should be paid only once and could not be applicable for each claim related to accident or disease.
