Temporary Health Insurance Plans

1
Temporary Health Insurance Plans

• For people in transition, a short term health
  plan is the way to go. This is designed for
  healthy individuals and families who are
  transitioning from a life event to another
  without a basic health plan. The benefits can be
  wide-ranging with some policies providing up to
  5 million in individual coverage.

2

• And just as the name implies this type of
  insurance policy is a temporary solution to a
  short term insurance gap. Temporary health
  insurance plans do not cover pre-existing
  conditions. So if you had pre-existing health
  expenses before in a 36 month period a short term
  health insurance plan will not cover it.

3

• However, there is a look back period which
  allows the insurance company to review certain
  charges that you may have had in the past and
  they can allow payment to go towards it but that
  is in certain states. Check in your state to see
  what laws apply. For the process to run smoothly
  you have to be sure to fill out the application
  truthfully. If you do not then you are subjecting
  yourself to not having pre-existing conditions to
  be taken care of and other future conditions to
  not be covered as well.

4

• All temporary health insurance plans have
  specific limitations and exclusions so be sure to
  read the policies carefully. The application
  process takes no time at all and you can be
  approved as soon as possible even the next day.
  Majority of temporary health insurance plans take
  credit and payment plans, either or the company
  should be able to work well with you.

5

• Understand that during your short term plan you
  will have an end date and be able to look
  somewhere else or renew the plan whenever you
  find it necessary. Review your plan and be sure
  to fill out the application truthfully and be
  covered as soon as possible.
• For more information on temporary health
  insurance plans, visit http//2healthinsurance.ne
  t/short-term-temporary/