Tips for Buying Short Term Health Insurance

Short term health insurance, or short term medical insurance, is a type of insurance that protects you from high medical bills and helps you look after your health by being able to afford good quality health care. It is a type of health insurance,  where you pay your premium each month and are then covered for any medical treatment you need. For example, if you break a leg and need x-rays and checkups, the insurance will cover it. If you are hit by a virus your insurance covers you for prescription drugs and doctors office visits. The short term part […]

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How Short Term Health Insurance Helps

There are times in life when you find yourself between medical insurance plans but you always need to be comprehensively covered. Illness and injury don’t wait until you have got your long-term medical insurance sorted out, and you could get into financial trouble if you don’t have any insurance in place. Short term health insurance or short term medical insurance is designed to provide temporary health coverage for a period of between one month and around 36 months. Short term health insurance helps you when you are between jobs – you may have left one job where you had medical […]

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How Can Short Term Health Insurance Help Me?

Are you looking for a cost-effective medical insurance solution that does not require a long-term commitment? Are you seeking a way to provide your family with health coverage while you are in-between jobs? If so, short term health insurance can help you. For people who have lost their job or moved onto a new job that does not immediately make health coverage available to new employees, short term health insurance provides an affordable solution. It is easy to acquire, much less expensive than the COBRA coverage which is made available to departing employees, and offers a good range of medical […]

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Planning Your Own Short Term Insurance

Selecting a short term health insurance depends on the deductibles and the coinsurance you choose. In most plans, you can vary your insurance premium by selecting appropriate deductibles and coinsurance amounts. The deductible decides the amount of premium that you will be paying for the insurance. The premium also depends on the coinsurance, or the amount that you will have to pay for the first $10,000 (or the plan’s coinsurance maximum) in covered charges. If you want to pay a lower premium, this would mean that the initial amount (coinsurance) that you pay before insurance benefits kick in will be […]

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Longer Lines for Short Term Insurance

In a sign of the times, companies are expanding their short term health insurance coverage. Several companies have recently announced the extension of their short term health insurance plans to other states where they were not present earlier. This indicates a trend toward short term coverage for people who are out of a job, and so, do not have long-term health insurance. Trends also indicate that more people are moving from being uninsured to purchasing short term health insurance. While this is a healthy trend, it is best to purchase short term insurance as soon as earlier coverage ends. Having […]

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Why Should I Purchase OPT Insurance?

OPT health insurance may seem like an extravagance in today’s scenario, but consider it an investment well made. There is no law as yet that requires you to have health insurance while on the optional practical training period. Plus, it might seem like you are hale and healthy, and don’t really need insurance. Remember, though, that the basic principle of insurance is to protect against unfavourable situations. And falling ill when a student certainly falls into that category. If you think that OPT insurance is an expense you can ill-afford as a student, consider the following factors. Not having OPT […]

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Assurant Insurance Coverage for Those In-Between

The economy is sure looking up but for those who have borne the brunt of the recession, short term health insurance may still be the best option for healthcare financing. There are several short-term health insurance plans available in the market, including Assurant’s Short-Term Medical. The plan may provide just the coverage you need. The plan is part of Assurant’s network of health insurance plans, and is ideal for coverage of less than six months, with no pre-existing conditions. To be eligible for the plan, you must be less than 65 years old and your dependents must be under 18 […]

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Without Insurance, Food Allergies Leave Bad Taste

Sometimes, international travel health insurance can leave a bad taste in your mouth. Let’s say your friend is traveling to Korea. Just as she starts to enjoy the strange culinary delights of the country, all goes downhill. While eating her dessert after a heavy dinner, she is hit by a severe allergic reaction that requires her to be hospitalized. She didn’t know about her allergy, but her international travel health insurance plan does not reimburse her. As a result, she has sworn off travel insurance. Her only complaint is that she had bought insurance for precisely such a situation and […]

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Res-Capades of the Recession

The recession has given rise to a new kind of traveler, and a word for him (or her): the res-caper. In a study conducted by a U.S.-based travel Web site, it emerged that around a fifth of the people who lost their jobs because of the recession are planning extended trips abroad with Australia being a top choice. These ‘res-capers,’ who travel internationally for various reasons, including trying to beat the recession, will spend $622 million on their international travel. About a quarter of the res-capers will use their severance package to fund their trips. However, an international travel insurance […]

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