Temporary health insurance

Temporary Health Insurance is designed to protect you from unexpected illness of injury and provides coverage for a brief period of time. The time frame is usually 1-12 months but some companies limit coverage to 6 months.

Temporary health insurance is non-renewable so you would have to re-apply to extend coverage. It is intended for people in between coverage, for example in-between jobs, on strike, recent graduate from school or new employees waiting for coverage to kick in.

Temporary Health Insurance policies are very similar to permanent policies.

Some of the differences between a temporary policy and traditional health insurance are:

• Will not cover dental or eye care.
• Preventative and routine care will not be covered.
• Pre-existing conditions will be denied for coverage.

Some of the main items covered by temporary health are:

• Emergency Medicine.
• Prescription drugs.
• Intensive care.
• Labs.
• X-rays.
• Ambulance.
• Some home or hospital care.
• Spouse and dependants can be added to plan.

Temporary health insurance is the affordable alternative to COBRA. If you are in search of more information on temporary health insurance you can try one of the following resources.

Health Insurance