Temporary Health Insurance

Temporary health insurance plans are especially good for those who know that they will be without coverage for only a short time, such as students, recent college graduates, or those in transition from one job to another. Coverage typically lasts anywhere from thirty days to twelve months, depending upon your needs. In order to qualify for this coverage, most states and insurance companies will require you to be in good health and under 69 years of age. Some policies will permit coverage to be extended to the policy-holder's family, or to their dependents, but these options vary from state to state and company to company.

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Advantages of Temporary Insurance

Temporary insurance coverage has some advantages over purchasing a long-term policy, provided that you are actually in a position where only having temporary coverage makes sense. For one thing, temporary policies, at least during their short duration, can be cheaper options than a typical individual or family policy. Temporary policies also offer more flexibility than traditional policies, including the elimination of long-term commitments, and they usually offer a greater range of coverage options than regular insurance, which permits the customer to choose how much to spend on premiums, and to decide how much or little coverage they need.

Temporary Insurance Disadvantages

The major downsides of temporary insurance include the fact that the policies are generally not renewable, meaning that once the allotted coverage time period has passed, the customer is back to square one, and must deal with the hassle and possible extra expense of purchasing an entirely new policy. Additionally, and perhaps more importantly, the majority of temporary insurance plans do not cover prescription drug costs, which is something to be aware of if you have a chronic condition that will require medication during the length of the temporary policy's coverage.

Most private insurance companies offer many versions of temporary insurance plans, and some even offer special options such as maternity insurance. In addition to the insurance companies themselves, another good source of information on temporary insurance policies is state and local governments, who don't sell temporary policies, but will often have contact information available for the various agencies and companies who deal in these plans.

Is a temporary health plan right for you? Learn more by requesting a health insurance quote today!

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