Temporary Health Insurance - Saving Money On Quotes

By Justin Scott

Temporary health insurance is a great option for many people who find themselves without health insurance. There are some limitations, but it can be an affordable alternative. Here are some things to consider.

Many people choose temporary or short-term health insurance as a way to protect themselves from a financially catastrophic illness or injury while they are temporarily uninsured. For example, you may be in-between jobs or waiting for your employer health insurance benefits to start. Or maybe you're a recent college graduate, just getting ready to start your career -- including a salary and benefit plan.

There are some restrictions with short-term health plans: Pre-existing conditions are usually not covered, and neither are routine doctor visits, preventative care, physicals, dental and vision. Policies are typically available for anywhere from 30 days to 12 months. Coverage usually can start within 24 hours after receiving the application and initial payment. Also, enrolling in temporary insurance can make you ineligible for the more expensive guaranteed-issue HIPAA plans which usually cover pre-existing conditions.

If you think you need longer coverage, have a pre-existing condition or need additional benefits, you may want to look into a regular individual or family health plan. If you are self-employed, a long-term plan may be a better option.

When your coverage term ends with temporary health insurance, you are often able to re-apply for another term.

Health insurance rates are determined by the insurance company and filed with the state that you live in. Rates can vary quite a bit, and so can plan features. The best way to save money and get the right insurance for your situation is to do some comparison shopping. You should try to get at least three plans to look at for comparison.

Also, you may be able to save some money by choosing to pay the entire premium upfront instead of in monthly payments.

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Justin Scott is a free-lance writer. He recommends the comparison site LowerYourInsurance.com to get free health insurance quotes. The site also features tips about saving on health insurance.