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The following article was published in our article directory on January 25, 2012.
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Advantages and Disadvantages of Temporary Health Insurance

Article Category: Finances

Author Name: Eric Smith

Temporary health insurance is useful for people who are trying to make a transition in their course of life to provide them with coverage without the need to use basic health insurance plans. But before buying a short term insurance policy, you must make sure that you have made a good decision by weighing its advantages versus the disadvantages.

Advantages of Short Term Health Insurance

First of all, short term health insurance is cheaper than typical health insurances. Short term health coverage can help you during an injury or when you are admitted to a hospital due to an illness. Getting sick during a time when you are not covered with any health insurance can have a tremendous effect on your budget.

Short term insurance plans can be utilized with any hospital or doctor in the United States.

There are even short term insurance companies which give certificates of creditable coverage which can be used for your subsequent employer's health insurance coverage. This can ensure that your next group insurance can't disregard your previous medical conditions.
Short term insurance policies can cover you the following day after you postmark your application.

There are some plans which can cover precautionary care like PAP smears and mammograms. These are usually found on your policy.

There are also short term insurance plans which can cover certain transplants.

Like other insurance policies, short term or temporary health insurance can also cover your children and spouse.

There are also other policies which can cover home health care like registered nurse services or health aid services.

Disadvantages of Short Term Health Insurance

Even if short term insurance can allow you to remain covered and give creditable health coverage, they cannot cover present health conditions at the time of application.

Short term policies can't be renewed after a certain time period. Even if you can reapply for another policy, there is little guarantee that you will be given another short term insurance plan.
Short term medical policies don't include vision or dental coverage.
Short term plans also don't include childbirth and pregnancy.

If in case you undergo a serious condition after the plan takes effect, you may not be able to qualify for another coverage plan after the policy expires.

Tips

You must not enroll in a temporary health insurance if you are still covered with another policy. Every temporary health coverage application asks a series of questions pertaining to other available policies to check what plan will pay first. Having double coverage isn't worthy for your budget.
You should be able to meet eligibility guidelines, which include suitable weight and height.

Most insurance companies sell temporary health coverage only to individuals less than 65 years old and if you happen to have been denied of a health insurance, you may not be able to qualify for temporary health coverage.

If you have creditable coverage for 12 consecutive months, without any gaps in coverage of 63 days even more, your next health plan cannot exempt your present health conditions. It should cover all your medical conditions the moment you enroll in the policy.

Keywords: temporary health insurance

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