Insurance Medical Temporary

Have you recently been laid off? Are you simply waiting for your insurance to kick in at a new job? If you don’t have insurance, you run the risk of devastating medical bills should you experience an unexpected accident or illness. Short term health insurance is designed to help those that do not qualify for one reason or another for regular health insurance. What Is Short Term Health Insurance? It’s temporary health care coverage for people without insurance. Most policies cover from one to six months; however, there are some that will offer coverage for up to a year. These plans usually do not cover preventive care, such as immunizations and physicals. Dental, or vision is not covered by most plans, either. Short term health insurance does cover hospital visits, outpatient doctor’s visits, and lab work. Most have a coverage limit of 1 million dollars in care, but there are some as high as two million.   How You Apply For Short Term Health Insurance The process is really .. Read More

As the economic situation gets worse, more and more companies are laying off staff, and thus many more people are facing unemployment.  Accompanying that is the loss of insurance coverage, which can be considered more important than the loss of income.  For those with families in need of health insurance coverage, this can be a devastating blow.  Insurance companies these days have become inherently scrutinizing when it comes to those who have had a lapse of insurance for a period of time.  Additionally, spending a few months without coverage can exacerbate pre-existing conditions, making matters even worse. Most laid off employees are covered by COBRA, which is a Federally mandated program that allows the employee to continue coverage of his health insurance for 18 months after leaving his job.  Because they are group policies, the costs are usually more reasonable than if you were to go get a plan just for yourself.  However, if you still don’t have a job with incom .. Read More