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What are the Advantages of Temporary Health Insurance?

Discover the advantages of a temporary health insurance plan in Arizona.
Tuesday, 01 March 2011

One of the scariest things about losing a job is enduring a period of time without health insurance coverage.  Even if you are offered COBRA by a former employer, the cost is usually out of reach; so many Americans try to go without health insurance until they get another job.  Unfortunately, illness can strike at any time, and it doesn’t take long for medical bills to become unmanageable.  That’s why it is so important to purchase a temporary health insurance plan.

Also known as “catastrophic health plans”, temporary health insurance policies are available for individuals and families, but keep in mind they are meant to be an interim policy.  For people who don’t have a basic health plan, these short-term policies provide an affordable “safety net” for up to six months, but they can often be renewed for up to 36 months. 
 
The nice part about temporary health insurance plans is how easy they are to buy.  Most insurers will process the application on the same day and policy can be initiated online with a credit card.  But before you buy any health plan, it is important to learn about what is covered.  One of the most important things to remember is that short term plans will not cover pre-existing conditions.  Pre-existing conditions are defined as a condition that has been treated during the 36 month period prior to the start of the temporary health plan. Temporary health insurance also has some very specific exclusions and limitations, so it is important to read the plan thoroughly before you buy.
 
For people who are in between jobs or waiting for group health plan eligibility, a short-term policy is ideal.  Recent college graduates or others who are losing their “dependent” status may become ineligible for insurance on their parents’ health plan; often find that buying temporary health insurance is the only option they can afford. 
 
If you are interested in a temporary health insurance plan in Arizona, contact the professional online brokers at Anderson Insurance Services and request a free quote.
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