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Temporary Health Insurance: 5 Things You Should Know

Modern Times Nov 04, 2019
Many don’t think it’s an option but temporary health insurance can be an ideal fit for many.
With all the regulation in healthcare, it’s easy to assume that short term health insurance plans are an unreasonable choice. Don’t let common misconceptions steer you away from making sure that you’re covered by a provider, even if it’s only temporary health insurance.

Affordability is Key

A major reason that contributes to individuals opting out of healthcare is the pricing. Depending on where you live, your occupation, and your healthcare needs, premiums can skyrocket. With short term healthcare, it’s easier to cover costs without sacrificing your ability to see a doctor.

Not all States Qualify

Your eligibility for short term health insurance or a temporary plan may vary based on your state of residence. While the majority of states allow short term plans, there are still several that don’t. Before applying for temporary healthcare, do some research and determine if your state is even eligible. It’ll save you a lot of hassle in the end.

Keep Coverage in Mind

For many, short term healthcare plans won’t cover every single base. Basic healthcare? Typically, yes. Anything beyond that? It starts to get a little dicey. Frequently, something as simple as a prescription medication won’t be covered. Mental health, emergency services, and hospitalization will also vary from plan-to-plan.

Better than Being Uninsured

In the event of a serious illness or injury, being left without adequate healthcare can put you in debt. With the immense costs of even the most simple of illnesses, going without any insurance is typically a bad idea. Paying a lower monthly premium is much better than thousands of dollars of debt for a procedural treatment.
Temporary healthcare isn’t for everyone, but it’s effective in a pinch and is a much smarter decision than letting yourself go uninsured for an extended period of time. Plenty of providers offer lower premiums and are flexible with your specific needs, so do your research and maintain healthcare if at all possible.