What can I do when logged in?

You can submit new articles, so we can make unique versions of them and distribute them for you.
If you want to simply publish the same article on 800 websites, you can tell us to do that.
You can see the archive and current status of all your article distributions.
You can order any number of high-quality articles - just let us know your keywords.
You can browse the archive of all the articles we have written for you.
You can order our Complete Service (10 high-quality articles plus 10 article distributions).
You can purchase more credits for our services and check your affiliate earnings.
Much more ...

SpinDistribute.com Article Directory

The following article was published in our article directory on January 4, 2012.
Learn more about SpinDistribute Article Distribution System.

A Buyers Guide to Temporary Health Insurance

Article Category: Finances

Author Name: Eric Smith

Temporary health insurance allows you to fill gaps in coverage until you can get a long-term renewable policy. This type of health insurance generally runs from six to 36 months, after which you ll have to reapply for a new policy, but offers many of the same benefits you can get from renewable policies such as hospitalization and emergency care. And short-term health insurance is more affordable than regular policies, with monthly premiums as low as $40 per month. However, preventive health care benefits such as doctor's visits and immunization are generally not covered, requiring you to pay for these out-of-pocket.

The first step in looking for temporary health insurance is to search for quotes online. There are many insurance broker sites that have offers from a variety of providers. All you ll have to do to get quotes is to fill up a short questionnaire. Once you ve gotten quotes from three or more providers, here are the things you have to look for apart from the cost of the monthly premiums.

Deductibles. This is the amount of your health care costs you ll have to pay before the provider begins shouldering expenses. Typical deductibles can range from $250 to as much as $5,000. If you would like to enjoy lower monthly premiums, you can elect for a higher deductible although this will mean that you will have to pay more out-of-pocket if you ever have to make a claim on the policy.

Coinsurance. This is the sharing arrangement between you and the temporary health insurance provider. For example, the typical coinsurance arrangement may be 80/20, which means that your carrier will shoulder 80|of the total health expenses after deductibles are met.
Policy maximums. This is the total amount the provider will pay out over the life of the policy. For example, if the policy has a maximum payout of $500,000, this means that the carrier will pay no more than this amount to cover your health expenses.

If you are given the option and you can afford it, you should pay the whole amount of the premiums in advance, as some providers may give you a discount of as much as 20|compared with the cost of paying for the premiums on a monthly basis.

You might also want to sign up with a temporary health insurance provider that uses a Preferred Provider Organization (PPO) plan. A PPO policy obliges you to get your health care from a doctor or other health care provider that is part of the network if you want to enjoy the most affordable rates. There are several benefits to using a PPO, including the fact that you won t have to pay the doctor at once after availing of their services but only after the claim has been processed, as well as the fact that the doctor is in charge of filing the claims.

Once you ve signed up for a policy, you should avoid making small claims on it that you can absorb. This will allow you to conserve your benefits for truly catastrophic expenses.

Keywords: temporary health insurance

Learn more about SpinDistribute Article Distribution System. We also offer a Pro Article Writing Service to everyone who needs premium quality well-researched articles.

SpinDistribute.com Network

Each article you submit at SpinDistribute.com is sent through our innovative Article Distribution System to our network of more than 1840 publishers - about 55% of them are high-quality article directories, 30% of them are niche blogs and 15% of them are other content-rich websites.

To achieve the best possible success we only publish your article to most related websites. This means your article will show up on approximately 640 - 880 most related websites which will give you great SEO results.

We also offer a separate Professional Article Writing Service to everyone who's looking for high quality web content and well researched unique articles.