What Types of Temporary Medical Insurance Are Available?
Jessica has just started a new job.
She is the only breadwinner in her family as her husband had suffered a work-related injury six months ago.
With one child on the way, she is looking for temporary medical insurance to cover their needs until her group health insurance comes into effect.
However, she has to wait three months before that happens! So, what types of temporary medical insurance coverage are available for Jessica and her family? Well, she can consider these options for the short-term: •basic short-term health insurance to cover illnesses, injuries and basic day to day care only, tests and basic hospital needs •unemployed coverage through her husband - can be used from one month to three years with basic coverage as found in the US public system •maximum insurance coverage up to $2 million •deductible options from $250 to $5000 •co-insurance type options for the first $5000 with twenty to fifty percent insured persons' obligation •COBRA insurance for low-income earners and their families •children health coverage through her state's specially designed program for children of low-income families who don't qualify necessarily for Medicaid •Medicare - can cover her husband's temporary disabilities •Medicaid - can cover her and her family as her single income may be low enough to fit into their qualification requirements •Veterans Administration - if her husband's injury was as a result of being a US serviceman and has now retired from the service •US military hospitals and clinics - if her husband's injury was as a result of being a US serviceman •community clinics Jessica and her family may find that these short-term or temporary medical insurance plans might be affordable and fit their needs.
However, there are many other short-term health insurance options available through private insurers who are willing to negotiate prices and coverage just to gain new clients.
She is the only breadwinner in her family as her husband had suffered a work-related injury six months ago.
With one child on the way, she is looking for temporary medical insurance to cover their needs until her group health insurance comes into effect.
However, she has to wait three months before that happens! So, what types of temporary medical insurance coverage are available for Jessica and her family? Well, she can consider these options for the short-term: •basic short-term health insurance to cover illnesses, injuries and basic day to day care only, tests and basic hospital needs •unemployed coverage through her husband - can be used from one month to three years with basic coverage as found in the US public system •maximum insurance coverage up to $2 million •deductible options from $250 to $5000 •co-insurance type options for the first $5000 with twenty to fifty percent insured persons' obligation •COBRA insurance for low-income earners and their families •children health coverage through her state's specially designed program for children of low-income families who don't qualify necessarily for Medicaid •Medicare - can cover her husband's temporary disabilities •Medicaid - can cover her and her family as her single income may be low enough to fit into their qualification requirements •Veterans Administration - if her husband's injury was as a result of being a US serviceman and has now retired from the service •US military hospitals and clinics - if her husband's injury was as a result of being a US serviceman •community clinics Jessica and her family may find that these short-term or temporary medical insurance plans might be affordable and fit their needs.
However, there are many other short-term health insurance options available through private insurers who are willing to negotiate prices and coverage just to gain new clients.
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