Never Go Uninsured With Short Term Health Insurance
It’s no secret that we live in an unpredictable and unprecedented time. Unemployment is at an all-time high in many nations, and families struggle to make ends meet. Even if you have a job that seems secure today, there is unfortunately no guarantee that it will be here tomorrow. Knowing this, it’s more important than ever to understand the value of unemployed health insurance.
The concept of short term insurance is simple. If you are without insurance temporarily (because you are between jobs or for some other reason), you can buy short term coverage to make sure that you and your family are still protected in the event of a medical emergency. So if you lose your job, or you leave your current job for a new one which doesn’t make insurance available to new hires until a probationary period has passed, you don’t need to worry.
How much can you save? Well, without insurance, even a basic doctor’s visit could cost you a couple of hundred dollars, and that’s before you get a prescription to treat your illness. Serious injuries or medical crises can cost thousands. Not many people have a lot of disposable income to spend on health care these days, and if you don’t have a job then you have even less extra money. But by paying a minimal premium payment each month, you’ll be protected with short term medical insurance.
Temporary insurance plans truly are affordable options that keep your budget in mind. For instance, you have the ability to control your own deductible and co-insurance rates, meaning you can set higher deductibles and co-pays to keep your own upfront costs at a minimum. This way you’re really only paying more if you actually use the coverage. And even in that instance you’ll still pay less than you would uninsured.
Another way short term health insurance puts the power of choice in your hands is in its ability to customize the term of coverage to your needs. Are you on a 90 day probationary period at a new job? Are you looking for a new job and finding your search is taking longer than you’d hoped? No problem, as plans can be bought anywhere from 30 days to 360 days. Choose the amount of coverage you need rather than buy too much coverage and waste your money.
Even though short term health insurance plans are temporary, you will still get to choose your own doctors as well as your preferred hospitals for medical care. Don’t worry about being restricted by a plan’s limitations. In fact you may even find that you have a greater ability to select providers than your previous policy offered!
And while a new employer’s probationary period can be frustrating, you’ll find none of that with short term insurance. Next day approval is often available from many providers, so you and your family can gain immediate coverage. That will certainly offer you peace of mind.
As you begin a new job or keep searching for one, you don’t need the hassle of wondering how to protect your family’s health if an emergency arises. Temporary insurance offers you low prices, convenient and customizable terms, and great freedom in selecting providers you trust.
Dan Miller often writes about short term insurance.
categories: insurance,health,health news,finance,family,insurance news,press release