Temporary short term medical insurance is an excellent addition to your regular coverage. This type of insurance generally covers you in the event that you have to be off work due to pregnancy, surgery, serious injury, or major illness. You pay a very small amount into this program, yet the benefits are great when you need them. While programs vary, most will pay up to 80% of your earnings until you are able to return to work. You will pay more for a plan that pays a higher percentage of your earnings.
Another type of temporary short term medical insurance is offered by independent insurance agents. Generally, an individual selects this type of coverage for themselves or and their families when they know they will be without medical insurance for a length of time. This is especially important in families where ongoing medical issues and prescriptions are common. Generally, these plans run from 30 days to 12 months. Some individuals choose this type of plan after being laid off. They know once they secure other employment, they may have to wait up to 90 days before being eligible for medical insurance. It is also good for individuals who are self employed or who plan to take a leave of absence without pay or benefits from their current employment.
The cost of temporary short term medical insurance dependents on may factors. The state you live in with influence the rates you pay as will the coverage you purchase, the number of people on your plan, and the length of time you will be paying for coverage. In some states, it will also depend on your age, medical history, and tobacco use. Contact a local insurance agent to find out more about this type of insurance as well as they cost.
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