Medical Temporary Insurance

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.

Many consumers are apprehensive on a certain provision of temporary health insurance plans, stating that the use of this plan for either illness or accident may be considered as a pre-existing condition whenever you apply for another short-term policy. As a consequence of this provision, many insurance applications are being denied.

Because of this, many consumers opt to continue their COBRA coverage rather than apply for a temporary health insurance plan. However, in the event that their COBRA coverage expires, they are left with no alternative but to join the ranks of applicants for this kind of short-term plan if they want to be protected from unexpected adversities.