Need cheap health insurance to cover you for anywhere from one month to a year? Whether you’re between jobs, going to school, or working without benefits, don’t take the risk of going without health insurance. Instead, find the protection of a temporary health insurance plan.
What about COBRA?
If you’ve been working at a job that offered group health insurance but you’ve been laid off, quit, or fired, COBRA health insurance lets you temporarily remain insured under the group health care policy. Sound good? It can be, especially if you have a pre-existing condition.
With COBRA, you’ll receive the same benefits and coverages you had as an employee. The main disadvantage to COBRA is that you have to pay the insurance premium yourself, instead of your employer paying a portion of it. Therefore, COBRA coverage is usually expensive.
Other Temporary Insurance
Short term or temporary health insurance is an affordable alternative to COBRA coverage. It typically costs less than COBRA and lets you choose any doctor or hospital. It provides the same coverage as other health insurance plans, including:
* Doctor visits
* Inpatient and outpatient treatments and procedures
* Other hospitalization services
However, pre-existing conditions or preventative care are usually not covered.
Finding Affordable Temporary Health Insurance
Because temporary health insurance plans are typically designed for the unemployed, insurers strive to keep the plans affordable. To find the most affordable plan for you, begin your search by visiting an insurance comparison website. Once there you’ll complete a short form with information about yourself and your insurance needs. You’ll then receive quotes for temporary health insurance plans from multiple A-rated companies.
Some comparison sites even have a chat feature so you can get answers to your questions about temporary health insurance from an insurance professional. (See link below.)
Visit or click on the following link to get temporary health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on temporary health insurance.