Temporary Health Insurance Bridges the Gap

2007-03-08 10:33:40

( Insurance )



With healthcare costs on the rise, health insurance is a must these days. Unfortunately, application for a medical insurance is not as easy as it used to be. Although your insurance agent was quick to let you in on the specifics of your health plan, the qualification process for the health insurance contains conditions and prerequisites that could take some time for your permanent health insurance to get approved and take effect. In order to achieve medical coverage while waiting for the permanent health insurance, the next best thing is to apply for a temporary health insurance.

Some clueless consumers would think that having a temporary health insurance is unnecessary, but there are certain individuals who want to make sure that no medical expense is incurred if ever a medical situation arises. Depending on your situation, you can avail of a travelers health insurance, and international health insurance, expat health insurance or a health insurance unemployed. Again, owning a mega medical insurance, whether temporary or permanent, is a practical move.

Before you signup for a temporary health insurance, you must tell your insurance agent the specific number of days for medical coverage, and that coverage must take effect immediately. A temporary health insurance allows you some freedom in the choice of physicians, clinics or hospitals for treatment. And, you can always purchase additional days of coverage if you need to extend beyond the agreed coverage period for you and your dependents.

Unfortunately, a temporary health insurance rarely covers preexisting conditions, pregnancy and childbirth. And, a delay in the reimbursement is inevitable when making claims.

Be sure to choose the best deal for a temporary health insurance, but avoid deciding on a temporary medical coverage from unknown and/or low-rated insurance companies even though the premium is cheaper. The temptation is not worth it.

In sum, a temporary health insurance is a practical short-term solution while waiting for your permanent insurance. Paying for medical expenses out-of-pocket does add to the stress of being sick. You never know when a medical emergency strikes, so it is better to be prepared.


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