It looks like now fewer and fewer people are actually having full medical insurance. There was time when people used to have medical insurance but now due to high premium they are opting to have temporary medical insurance. Those who are currently doing jobs, they are mostly choosing for temporary medical insurance, even the other people are giving preference to this insurance. This type of insurance is designed to provide temporary coverage. It’s very easy and affordable to have. This insurance gives you coverage against unexpected illness and accidents. Wellness check, prevention care, vaccines, vision, dental care, or routine doctor visits are not covered in this type of insurance. But if you are taken to emergency room, hospitalization, diagnostics, tests, organ transplant, or repatriation are given coverage. You can have coverage as early as tomorrow, or for periods as short as 30 days or 180 days. The premium is usually paid in one single payment or on easy monthly installment.
Temporary medical insurance is mostly taken by those who have part time job or temporary based job, has recently graduated, or waiting for permanent health insurance to start. As in this type of insurance policy, there are many limitations and few areas are covered, but if you want to protect you and your family against any sudden illness or injury, this would be the best option until you get a good job and have another insurance policy. Instead of having no insurance policy and always have a fear of having financially wiped out due to any illness or injury, it is better to have temporary medical insurance.
If you are thinking to leave your current job, then ask your employer if they can provide you with COBRA health coverage. With the help of COBRA, you can have your insurance plan for a pre determined amount of time. If they are not providing, then you your self can purchase this insurance from COBRA, but it can be costly, with this you can have a better benefits. You can also search through internet for different websites that are offering medical insurance. This is an easy way to have medical insurance. Check the quote and prices of different companies and choose one which is suitable for you. It is also more affordable way to have insurance policy. If you are student or recently graduated, you can have student health insurance which is part of temporary medical insurance. You can have it online or if you attending a college or universities, can check it in your institute whether it is available or not.
Other than the above, there are also many ways by which you can have temporary medical insurance. If your local doctor offers you this type of insurance, you can get it through him as well. Or can find an agent who has specialized in medical insurance or ask for guidance about a good agent from your friends and family.
After choosing the right agent, you then check and calculate the number of days till you want a temporary medical insurance. Also tell your agent that you want the temporary medical insurance to start immediately and to cover for the number of days settled. Try to set high deductibles so you can the benefits to pay less premium. Read all the information carefully, that your policy is covering which areas. Don’t choose that policy which does not cover much of the areas of medical. After choosing the policy, sign the paper work. You should also have the copies of every document, and give your agent the premium check by the name of insurance company. When the policy arrives to you check it carefully that whether all the personal information is correct or not and also check if it is covering all the areas which you have applied for during the specified time. 