By: santosh verma
Submitted: 2010-05-24 04:29:20 | Word Count: 429
If you are looking for medical insurance then there is custom made and affordable temporary health insurance somewhere out there for you. Browsing through the various online quotes available easily on the internet will lead you to the option that suits you best, both in terms of your budget and medical requirements. Those individual who are very confident about their health conditions should also consider getting one of these affordable short term health insurance plans since you can never be too safe can you?
When should you go for one of the affordable temporary health insurance plans?
You should think about opting for such a plan if you are between jobs. You might’ve just changed from one job to another so obviously your health insurance plan with your previous employer will be terminated and instead of going for a long term alternative you should go for one of the affordable short term health insurance plans since they are easy on the pocket and you will as it is be covered by your new employer in some time. So it makes sense to stick with short term plans rather than tedious long term ones. Even if you are planning to start your own business instead of changing jobs you should stick with short term options initially.
COBRA or Consolidated Omnibus Budget Reconciliation Act which allows you to keep your previous health insurance plan that you had with your employer for a period of 18 months is a much more expensive option as compared to the variety of affordable temporary health insurance options available to you. Short term plans do not cover routine preventive care such as physical check-ups etc. but cover all other necessary medical expenditures such as surgery, diagnostics etc. If you are a healthy individual then choosing such plans is a much more feasible option. Those who are getting a health insurance for the first time or students who’ve just moved out and are no longer covered under their parents’ medical insurance should initially try these plans.
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Eligibility criterion for short term health insurance
Healthy individuals between the age of 15 days and 64 years and 11 months, foreign individuals staying in the US for a period of one year and holding valid visas, green cards or other such instruments and dependents till the age of 20 years who are covered under their parents’ medical insurance are eligible for short term health insurance plans and the many easily available affordable short term health insurance plans can initiate them properly into the world of medical insurance at least for the time being.
