Welcome to Short Term Health Insurance Help
Enrolling in a short term health insurance policy requires a little thought and plenty of research. I assume that is why you are here. It was not too long ago that I was in the same situation. I lost my job and the health insurance it provided. Faced with having to quickly find medical coverage for family, which included two young children, I spent a great deal of time investigating short term health insurance policies. If you are considering the purchase of a short term health insurance policy, which provides reasonable medical coverage, I encourage you to explore this website. My research can help to enlighten you about the different factors you should consider before completing any enrollment application.
One point that I would like to make is that whatever short term health insurance company you decide to go with, make sure the company is reputable and financially healthy. You will find many types of health insurance plans out there underwritten by subsidiaries or third parties. Much of the liability to pay medical bills falls onto them, and if they are not stable they could go bankrupt. That happened to me. After meeting my annual deductible early on in the calendar year, my health insurer filed for bankruptcy. With the insurer in receivership, I was given thirty days to find a new health insurance policy. The deductible that I met was gone, and my family had to start anew with a different policy.
Whether you need medical coverage for yourself, your spouse or a family with children, you will find that there are many short term health insurance options available. The most common types of policies are PPO, POS and HMO plans. Such plans do vary in the benefits they provide and the medical care professionals which you have access to. Just like a health insurance policy offered by an employer, you will find that short term health insurance plans also may be obtained with prescription drug coverage and other needed health care benefits.
Although a short term health insurance policy is designed for people in transition between jobs, where temporary coverage is required, today’s economy has made individuals and families more reliant on this type of medical coverage. Regardless of how long you may need medical coverage under a short term health insurance policy, it is my hope that the information you find within this website will be of assistance to you. Because if you do your due diligence, you will find the best short term health insurance policy with excellent benefit coverage and a large physician network for easy access to medical care.