Do you need immediate medical insurance coverage because you're between jobs, waiting for company insurance, or a college grad? Here's how to get an affordable short term health insurance plan quickly and easily.
What is a short term health insurance plan?
Short term health insurance plans provide temporary health insurance for a period of one to six months. Premiums are relatively cheap and in most cases you don't need to submit to a medical exam unless you're over 55 and haven't had a medical exam in the last 10 years.
Most insurance companies let you extend your plan if you didn't file a claim and your health is the same as it was during the initial insurance period.
What does a short term health insurance plan cover?
Short term health insurance plans are major medical plans that cover you if you're injured or become ill. Coverage includes emergency care, prescription drugs, hospital care, X-ray fees, and lab costs.
These plans do not cover preventive care, routine medical exams, or pre-existing medical conditions, and do not provide optical or dental coverage.
Where can I get an affordable short term health insurance plan?
Short term health insurance plans are relatively cheap, but you should still compare quotes to get the best rate.
In order to get the cheapest rate you need to compare quotes from a number of companies. The easiest way to do that is to go to an insurance comparison website where you fill out a single questionnaire, enter the type of coverage and the deductible you want, then compare rates.
The better sites even have a chat feature where you can talk with an insurance expert online and get answers to your insurance questions. (See link below.)
To save money on these plans you can raise your deductible (the amount you pay on a claim before the insurance company pays), and choose a 50/50 copayment (you pay half the claim and your insurer pays half ), instead of the typical 80/20 copay.
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get affordable short term health insurance plan quotes from top-rated companies in your area and see how much you can save. You can get more health insurance tips by checking out their "Articles" section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on affordable short term health insurance plans.
By Brian Stevens
Published: 4/25/2007
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