Temporary Health Insurance - Easy and Affordable Alternative to Bankruptcy
Are you one of the 47 million without health insurance? Do you realize that over half of all the bankruptcies in the USA occur as a result of an emergency medical cost? Many medical insurance plans are too costly for people on a modest income. COBRA monthly premiums are shocking to people who are between jobs. Graduating students do not have extra cash to spend on expensive health insurance plans before they get benefits from their jobs.
Short term health insurance plans are designed to give you the coverage of health insurance at a fraction of the cost. These medical insurance plans do not have co payments for doctors’ visits. They also do not generally have prescription drug benefits, nor do they cover pre-existing conditions.
The temporary medical insurance plans do offer major medical coverage for catastrophic situations for a fraction of the cost of co pay plans or COBRA plans. They have a deductible which you choose and an out of pocket maximum. Once the maximum is met, the insurance covers medical expenses at 100%. This coverage could be all you need to keep you out of bankruptcy in the event that you need medical care. While these plans are considered ‘temporary insurance’, they are designed to cover the individual or family for as long as the client pays the premium.
If you don’t know how long you will need the coverage, you can opt for a month-to-month payment plan. But if you know you will have coverage at a certain date, you can save money by selecting the single payment option for the insurance. This is a good idea if you are in a waiting period for a new job before the health benefits begin.
You can get coverage in as little as 5 minutes effective as early as midnight tonight, and apply directly online at several websites. Compare several different options and you will be surprised at how little it costs to insure you in the event of a medical emergency. There is no need to be one of the 47 million Americans in danger of bankruptcy in the event of a medical emergency. These plans are affordable for everyone.