Short Term Health Insurance Solutions

Short term health insurance is necessary in several situations. These types of plans work well for those people or families that may be between jobs. It also works well for those who have insurance coming to them through employment, but may need to wait a certain amount of time to be included. Most plans offer health care coverage for up to six months time. Some short term health insurance policies are available for those that want up to a year's worth of coverage. For those needing a longer term option, look at individual or family plans as these can be more cost effective for you.

The need for short term health insurance is great, which has allowed for more insurance companies to offer solutions. Getting short term care is easier and is less detailed than longer termed programs. Most of these plans provide you with health insurance that covers things like unforeseen accidents or illnesses. Most don't provide all of the standard care options including doctor's visits, dental care, vision care, immunizations or physicals you may need. Short term health insurance is a good option for those that want a low cost way to protect themselves from the unknown but may not work well for families.

If you have short term health insurance, you will not be able to take advantage of the HIPAA plans. Those are highly expensive plans designed to help people who have a hard time qualifying for other health care coverage because of pre existing health conditions. If you may qualify and want to use an HIPAA plan, don't invest in a short term health insurance plan as it could cause you to become ineligible. If you have pre existing medical conditions, realize that most short term plans don't provide you with coverage for these illnesses.

For those that do not qualify for short term health insurance, you may want to consider employer sponsored programs from your past employer that may offer a bridge of coverage for a limited amount of time. An example of this is a COBRA plan, which requires that you pay the normal health care costs along with the portion your employer paid, but gives you good health care coverage even with an existing medical condition.

To find out what your options in short term health insurance are talk to and get quotes from qualified insurance companies. Most will show you several options you have and help you find the one most fitting for your needs.

Q: What is short-term medical insurance?

A: Short-term medical insurance offers a solution to individuals in need of temporary medical coverage. The Amigo Medical Plan is a short-term medical insurance plan that protects against unforeseen accidents and sicknesses, appropriate for individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. Plans are available for periods of up to 6 or 12 months (varies by state)

Q: What is co-insurance?

A: Co-insurance is the part of medical expenses you pay for after you pay the deductible. The remaining amount is covered by the plan. With Amigo Medical Plan you may choose between two options: 80/20, where underwriters pay 80% of eligible expenses (after deductible) and you pay 20% of the eligible expenses, or you may choose the 50/50 option, where eligible expenses are equally split after your fulfillment of the deductible.

Q: How soon can I start my coverage?

A: Your coverage can start tomorrow! If you submit your application and credit card payment today by Internet, fax or e-mail, coverage will begin tomorrow. Otherwise, your coverage will begin on the day following the date we receive your completed application and payment or on the date you requested on the application, whichever is later. Q: What if I need more time later? or What if I need coverage for the entire year? A: Coverage periods of 6 or 12 months are available, depending on the state in which you will hold coverage. However, if you require more time, you may purchase a new plan as long as you have not held two previous plans in the same 12 month period! The Amigo Medical Plan is not renewable; therefore, any subsequent plan will be treated as new and will be subject to the same preexisting condition provision and other limitations.