Need Low-cost Temporary Family Health Insurance?

Need Low-cost Temporary Family Health Insurance?

Many families will find themselves without medical coverage at some point in their lives. So, what do you do if you find yourself in this situation? Here are some thing that you should consider when purchasing quality, low-cost temporary family health insurance.

Low-cost temporary family health insurance is available for those under 65 and who are in generally good health. It also usually covers dependants under 19, as well. Although these policies are only good for six months or so, you can reapply for coverage, as needed. Bear in mind, however, that any illness or condition that occurred during this temporary coverage will be treated as a pre-existing condition under the new policy.

Before you apply, however, there are some questions you should ask the salesman or representative. You need to be certain of the maximum policy benefit, for example, and you should make sure of the co-payment schedule. Many low-cost temporary family health insurance plans are PPO networks, so you need to find out if you are required to have a primary care physician. You should also ask the representative how pre-existing conditions will be treated under the plan. Some companies will not cover pre-existing diseases or conditions; some will do so, after a pre-determined period, like twenty-four months.

  » Discuss it   » Continue Reading »

» Submit a comment or contribute to this article

Read More Articles, They Are Related to This Topic:;

How To Best Handle Health Insurance Plan Changes
Many economists have suggested and recent economic data indicates that the economy is steadily moving in the right direction. A combination of... Read more »

Medical Insurance Overseas
Thousands of people have work related commitments and in order to fulfill those commitments they have to travel abroad. Have you ever realized that... Read more »

Consumer Driven Health Plans [ Cdhp ]
Do you know that skyrocketing health care costs have been draining the federal government and employer's exchequers over the last couple of years?... Read more »

Do Discount Fees For Medical Service Programs Really Work?
Having a health insurance policy provides a great sense of security for many families. Most people with health insurance usually have it through... Read more »

How To Shop For Individual Health Insurance
If you find yourself in the position of shopping for an individual health insurance policy, there are certain things you'll want to keep in mind.... Read more »