The Ups and Downs of Temporary Health Insurance

If you're a recent college graduate, or in between jobs, temporary health insurance may be just what you are looking for. As the name suggests, this short term health plan covers from one month up to a full year. And with a very inexpensive price tag, most consumers are thrilled to have finally found a viable health care option. While there are benefits with temporary health insurance, there are a few negative aspects as well.

The temporary health insurance plan in essence, has been developed to secure your security and well-being. Short term plans are not designed for everyday health care; temporary health insurance policies are more of low-cost alternative to the full benefit plans, and were meant as sort of a ÒcrutchÓ in case of serious injury or sudden illness. Although some plans do supply coverage up to a full year, most only offer coverage between one to six months.

A big advantage of the temporary health insurance plan is that you have no preferred care provider. What does this mean? You have the option to go to any doctor you choose. Short term plans also offer fairly extensive therapies and regimens. Some of the services offered are: Hospital care, prescription drugs, follow-up doctor visits, and emergency care.

However, there are numerous fields that are not covered by temporary health insurance. Maternity treatment and care is rarely covered, and doctors visits are seldom included. Preventative care, such as physical screenings and immunizations are also excluded. In addition, pre-existing conditions are not part of short term insurance coverage.

A significant plus for most when researching temporary health insurance has be the extremely low premiums. Also, many plans will let you pay your premiums month to month, or pay annually. However, with the low premiums come higher deductibles. While you may be saving money with the premiums, you could be spending just as much with the deductibles.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount health insurance, auto, life and home insurance that you can research in your pajamas on his website.

---

About Accidental Death Dismemberment Insurance Quote

We don't hear much about getting an accidental death dismemberment... Read More

Tips for First Time Insurance Buyers

The are many scary things in this world. Buying insurance... Read More

Auto Insurance Rates

Auto insurance rates will vary depending on the insurance agency,... Read More

Guide to Car Insurance

Here is a useful guide to car insurance. Buying car... Read More

Health Savings Accounts (HSA): How Do I Tell a Good One from a Bad One?

The Health Savings Account (HSA) is becoming well-known as an... Read More

Car Insurance Online ? Benefits of Applying for Auto Insurance Online

Drivers are applying for auto insurance online not just for... Read More

The Life Insurance Plan Online

Thank goodness the internet age has arrived helping us to... Read More

Life Insurance Basics

One of the most important things you can do as... Read More

Term Life Insurance and Permanent Life Insurance

Term insurance and permanent insurance are two basic types of... Read More

Who Sets Auto Insurance Rates?

Auto Insurance rates are a complicated business. Have you ever... Read More

Term Life Insurance Quotes for Singles

Term life insurance quotes are rarely a concern of single... Read More

Filing An Insurance Claim

Everything seemed pretty simple when you purchased that insurance policy.... Read More

Accident Factoids

Accidents, personal injuries and insurance claims are here to stay.... Read More

Health Savings Account (HSA): Useful for Women in Childbearing Years?

The Health Savings Account (HSA) is an amazing tool that... Read More

Disaster Decision - Do You Need Insurance?

The expenses involved with owning a home can be overwhelming... Read More

How To Take The Guesswork Out Of Buying Term Life Insurance

Protecting your family is the single most important thing any... Read More

Is Your Auto Insurance Company Rated?

Several national rating institutions rate insurance companies. Do coverages, rates,... Read More

How Much Renters Insurance Do I Need?

When obtaining renter's insurance it is important to put serious... Read More

Choosing Affordable Health Insurance For Children

In most cases, private health insurance comes through a person's... Read More

Insurance for Car Wash Fundraisers

Non-profit groups in this day and age need to watch... Read More

Choosing the Best Life Insurance Option for You

Life insurance in the UK is becoming more and more... Read More

We Dont Need Another Broker: How To Get The Best Liability Insurance Rates Available

Some business relationships are forged through blood and friendship. When... Read More

Cheap Health Insurance - Health Insurance for The Self Employed

If you're self employed, you may think of health insurance... Read More

Health Insurance Plans - Benefits to Different Plans & Providers

Health insurance plans vary in their coverage and prices. The... Read More

Cut Business Insurance in 8 ways

1. Comply with recommendations from company engineers and loss control.... Read More

Term Life And Whole Life Insurance

Which type of policy is best for you, term or... Read More

Useful Tips on Reducing Insurance Costs

Most people want lower insurance costs but are often too... Read More

Why Does Health Insurance Cost So Much?

Why does health insurance cost so much? Year after year,... Read More

What Should I Do About Billing Problems When Using HSA Money?

If you run into a billing problem or misunderstanding with... Read More

Insurance For The Self Employed And Those Seeking Health Insurance

First of all, congratulations on deciding to go out and... Read More

Seven Steps to Filing Your Car Insurance Claim

Having even a teeny-tiny car accident can be one of... Read More

How to Shop for Individual Health Insurance

If you find yourself in the position of shopping for... Read More

Mortgage Life Insurance

Owning a home is a dream for most of us,... Read More