Article Advise

submitted: Aug 19th 2008 | by: DonaldSaunders | Total views: 1 | Word Count: 525 | |

The day comes when you lose your job and, at the same time, you also lose your health insurance plan. Luckily, short term health insurance is one thing which can keep you going until you are able to [get|secure|find a new job. A short term health insurance policy will cover your health care needs from the time you lose your job until you become eligible for benefits from your new employer.

But just where should you begin looking for a short term medical insurance policy? Like most people nowadays, your first stop will probably be one of the online search engines and these will provide you with a laundry list of directories. These directories each give you a list of companies which offer short term medical insurance and even a hendful which will actually tell you exactly what it is. Knowing exactly what short term medical insurance is and, equally important, what it is not will assist you in shopping for the right policy and stop you from getting scammed.

First, every state has its own brand of temporary health insurance policy to assist you in holding onto the health insurance from your previous employer. For instance, in Minnesota the plan is known as a Cobra Plan and covers you until you have a new job. While we are on the subject, state law also states that an employer must notify you of your eligibility for Cobra coverage.

Commercial short term medical insurance plans generally run from one to twelve months, though many providers restrict their plans to six months, and will provide most of the same benefits which are provided on their long term plans. The greatest difference that you will see is that the contract is not renewable and if you want to hang on to your coverage you will need to take out a further new policy. Bear in mind that this type of policy is intended only for short term use and not for long term use.

Some things that will probably not be covered are wellness checks and preventative care and temporary health plans will also not generally provide cover for dental or optical care. They are also usually very strict when it comes to denying cover for pre existing conditions. It is also generally possible to get cover extended to your spouse and children. You will find also that the majority of policies will range in price from around $25 to $100 per month.

Bearing these things in mind, you can begin to work your way through the results of your search and examine the lists of insurance companies to locate one that meets your requirements.

Yet another very good place to look for cover is to your current home or car insurance provider as it is possible that they will also carry a medical insurance policy which you can get. And, if you are getting the policy through your existing insurance company, there might well be an additional discount available to you for having multiple plans with them.

Finally, do not forget that your local phone book may also list several places for you to buy short term medical insurance coverage in your area.

About the Author

Visit MedicalHealthInsuranceToday.com to discover where to buy an affordable health insurance plan and short term health insurance

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