Students and temporary workers are individuals that have short-term health insurance plans as an option when it comes to healthcare. An article recently released by Insure4USA.com, highlights the benefits of this type of insurance and the ways and means to find affordable insurance options. David, Manager of Insure4USA.com says, “The main advantage is that short-term health insurance plans do not cost much. This is a big burden off the shoulders of both, students and temporary workers, who stand to benefit the most. Those who are unemployed, between jobs, and who cannot afford the high costs of long term insurance have an affordable option.”
The article highlights the types of coverage available for short term health insurance as well as comprehensive details on the eligibility criteria. This type of insurance does not cover pre-existing illnesses, which makes this type of policy affordable for many. Since they are short-term, usually lasting from 6 – 12 months, insurance companies tend to be lenient when it comes to premiums. The maximum extent of a policy is usually five years.
David adds, “Short term health insurance is good enough to meet the requirements of these individuals who cannot otherwise afford the rising costs of medical treatment. These plans provide coverage for many major problems as well including emergency care, hospital care, prescription drugs and more. Broadly speaking, this type of insurance keeps policy holders well protected in emergencies as well.”
Insure4USA’s article stresses on the two main types of short term health insurance namely the PPO plan, and the FFS plan. Both have their own distinct advantages. Those below 65 years and have not been denied health insurance in the past are eligible for short term insurance. David suggests, “Applicants must make sure they are not covered by any other health insurance plans. This would only result in disqualification and lead to further complications.”
The best way to find affordable short term insurance is to browse through comparison websites. It is essential to compare quotes and coverage offered by several insurance companies in order to make a well-informed choice. Users only need to provide a few basic details including their age, desired deductible, payment options, and more, in order to receive quotes from several providers almost instantly. In addition, users will receive pricing, benefits, and additional coverage options as well. Obtaining short term insurance is a much better alternative than remaining uninsured, especially when there are plenty of affordable options available.
See Insure4USA.com full article http://www.insure4usa.com/short-term-health-insurance.html