Whether you are working or unemployed, everyone deserves to have health insurance. Fortunately, short term health insurance is available for those without a job and need coverage for a short period. Short Term Medical Insurance plans are very affordable because insurance companies are only required to cover you for less than 6 months or 12 months.
If you are unemployed, you do not have to go without insurance, you can find temporary health insurance. COBRA insurance is expensive and for those without a job, paying the premiums can be difficult to do. There is an answer; alternatives to COBRA insurance can be purchased.
There is no way someone can foresee a sickness. A parent cannot know that their child came home from school contaminated by germs, thus getting a cold. If you are not covered, you will have to pay for the doctor visit and the prescription drugs. Someone who has no insurance will be expected to pay for the trip or trips to the doctor and any medications prescribed. Short term medical insurance covers expenses for both hospital and doctor visits for an unexpected illness.
Without insurance, you are taking a risk, which is why insurance is strongly advised. Without a job, you may be looking to save money anywhere possible. Now you can save by purchasing temporary health insurance. If there is no insurance, you are responsible for that bill. Medical bills are very costly, especially with no income while you are unemployed. Temporary health insurance can be the answer during such difficult times.
Layoffs at companies happen all the time, it is prudent for the terminated employees to think about protecting themselves incase of a medical emergency. If you need to be insured for a short time, this is the insurance for you. Coverage includes, the typical doctor checkups, organ transplants, diagnostic test, in addition any hospital stays are also covered.
Upon deciding your short term health insurance coverage and once all contracts are “signed and sealed”, your coverage can start.These plans can last up to one year. In some cases, extensions may be granted. Those individuals who are between jobs could benefit from temporary health insurance. Typically, when starting a new job, health insurance coverage does not begin right away. This insurance will fill in the gaps in coverage.
You can talk to your insurance agent to determine which plan works best for you. Each case is different, single coverage, or family coverage, high deductible, low deductible, co-insurance, etc.