There are many people in America today who are either unemployed, employed part-time or going to school and still desire health coverage. If you are healthy, then carrying short term medical insurance would be something to consider. It can be a viable option for people who are in transition or who cannot afford COBRA. There are individual or family plans that cover you for as little as thirty days or for as long as six months.
It is important to understand just how these plans work, and what they do and do not cover. Most plans will let you visit any doctor or specialist you prefer but they will also usually require pre-certification. Due to the low cost of these plans, they generally do not cover items that fall under preventative care, such as physical exams, immunizations, and PAP tests. Since it is geared toward healthy individuals, pre-existing conditions are not covered in a short term plan nor are the treatments associated with those conditions. Also, if you have filed any claims under a previous policy, they may refuse to issue you a new one.
People 65 and under are eligible to apply for the insurance. If you have been denied for health coverage elsewhere,...
To view and download this full PLR article, you must be logged in. Registration is completely free. Once you create your account, you will be able to browse, search & downlod from our PLR articles database of over "1,57,897+" on 1,000's of niches and 200+ categories without paying a penny. Click here to signup...
