Are you in need of short-term health coverage? Whether you're between jobs, waiting for your new employer's insurance to kick in, or just want peace of mind while traveling, temporary health insurance can provide you with the protection you need.
Temporary health insurance is a type of health insurance that provides coverage for a limited period of time, typically 30 to 364 days. It's designed to bridge gaps in coverage and provide peace of mind in situations where you don't have traditional health insurance.
Temporary health insurance is a good option for:
The cost of temporary health insurance varies depending on factors such as:
According to the Kaiser Family Foundation, the average premium for temporary health insurance is around $250 per month. However, you can expect to pay more if you have a pre-existing condition or if you choose a plan with a higher level of coverage.
Temporary health insurance typically covers the following benefits:
Some plans also offer additional benefits, such as:
When choosing a temporary health insurance plan, it's important to consider the following factors:
Coverage Level | Premium | Deductible | Out-of-Pocket Maximum |
---|---|---|---|
Bronze | $150 | $3,000 | $6,000 |
Silver | $200 | $2,000 | $4,000 |
Gold | $250 | $1,000 | $2,000 |
Network | Plan | Number of Providers |
---|---|---|
Blue Cross Blue Shield | Blue Cross Blue Shield PPO | 2,000+ |
Aetna | Aetna Open Access | 1,500+ |
UnitedHealthcare | UnitedHealthcare HMO | 1,000+ |
Customer Service | Plan | Rating |
---|---|---|
Blue Cross Blue Shield | Blue Cross Blue Shield PPO | 4.5 out of 5 stars |
Aetna | Aetna Open Access | 4 out of 5 stars |
UnitedHealthcare | UnitedHealthcare HMO | 3.5 out of 5 stars |
1. How do I apply for temporary health insurance?
You can apply for temporary health insurance online, over the phone, or through a broker.
2. How quickly can I get coverage?
Coverage typically starts within 24-48 hours of approval.
3. Can I renew my temporary health insurance policy?
Most temporary health insurance policies can be renewed for up to 364 days.
4. What happens if I have a pre-existing condition?
Some temporary health insurance plans may exclude coverage for pre-existing conditions. Be sure to disclose any pre-existing conditions to the insurance company before purchasing a policy.
5. Can I use temporary health insurance to cover my dependents?
Most temporary health insurance plans allow you to add dependents to your policy.
6. How can I find a doctor that accepts temporary health insurance?
Most healthcare providers accept temporary health insurance. You can search for providers in your area who accept your plan on the insurance company's website or by calling the customer service number.
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