Temporary Health Care Coverage for Florida Residents
Short-term health insurance is also known in America as temporary health insurance. As the name suggests, you can purchase these types of policies for a brief period of time. Many insurance companies offer plans that last from one to 12 months, but you may find some insurers who offer slightly longer options. Short-term health insurance is quite popular for people who need coverage for a few months while they are moving, changing jobs, entering the workforce from college, on strike from work or various other reasons.
It’s usually an easier process to obtain short-term health insurance than traditional plans, but they still offer a decent amount of coverage at a more affordable price. The plans are generally designed to offer coverage for major illnesses and accidents, but you will also be able to find some that provide comprehensive coverage. However, the majority of short-term health insurance plans don’t cover services such as physicals, preventive care, vision and dental care and immunizations.
Also, if you have one of these plans in place you won’t be eligible for Health Insurance Portability and Accountability Act (HIPAA) plans, which are guaranteed issue individual policies. The HIPAA health plans are often quite expensive and are more or less intended for people who have pre-existing health conditions and are finding it hard to purchase health insurance because of it. If you’d like to be eligible for an HIPAA plan, then you shouldn’t buy a short-term option.
If you’d like to know what your rights are regarding HIPAA health plans and other types of insurance policies please feel free to get in touch with www.medicalinsuranceflorida.org. They will be able to give you up-to-date information on all matters regarding health insurance and the new Affordable Care Act (ACA).
For example, most short-term health plans won’t cover people who have a pre-existing condition. These are generally conditions that have been treated in the previous three five years. Some people who are interested in short-term health insurance may also be eligible for COBRA coverage. This is available to people who lose their jobs. The program allows them to keep their employer-sponsored insurance for up to 18 months as long as they pay the premiums on it.
But when it comes to premium costs, short-term insurance is quite inexpensive when compared to COBRA. However, most of the short-term options also come with a relatively high deductible which must be paid before the policy starts to pay its share of your medical bills. Some of the plans will provide full coverage after the deductible is reached while others will require you to pay a coinsurance fee.
Also, most short-term plans won’t cover pregnancies, well medical visits, and several other routine health care procedures. Overall though, a short-term health plan is generally considered the ideal type of affordable health care insurance for certain situations. You’ll find that there are numerous types of plans on the market and most of the leading insurance companies deal in them. Make sure you do some comparison shopping though since the costs will vary from insurer to insurer.