Health Insurance

2007-11-29T00:01:00.000-08:00

- The best source for online
quotes, information, and applications for temporary insurance. We
have multiple insurance companies and rates for your review. You can shop
for temporary health insurance with confidence because we provide all
of the short term health insurance carriers, ratings, and secure
online insurance applications. We are nationally licensed to sell
temporary insurance in every state (temporary insurance is not
available in every state - click your state at the bottom of this page to
see if it is available in your state).

What is Temporary Health Insurance?

Temporary health insurance
is a quality, affordable plan of temporary medical insurance designed
specifically for people who are temporarily without health insurance. Coverage
can become effective as early as tomorrow, be purchased for periods as short as
30 days or up to 180 days, and paid for in one single payment or easy monthly
installments.

Ideal protection for persons:

Cobra insurance alternative

Between jobs, laid off, on
strike

Attending school or recently
graduated - If you are a student looking for

student insurance

Employed part-time or
temporarily

Waiting for

permanent health insurance to begin

Temporarily without health
insurance for most any reason

The temporary insurance
plans we offer are not an HMO or PPO plan. In the event of a sickness or injury,
an insured person may receive treatment from any licensed healthcare provider or
facility anywhere in the U.S.

Important Information About
Temporary Insurance:

Short term health
insurance is a temporary health insurance plan (typically 1 to 6 months)
and should NOT be used as a substitute for standard, long-term health
insurance. If you would like

long term (permanent coverage)

click here for
quote.

Short term health insurance
plans are intended as interim or "gap" coverage, i.e., for people who know,
with certainty, that they will have standard, long-term coverage (or
coverage through an employer) at a future date.

Short term insurance plans
are designed to provide protection from unforeseen illness or injury;
they are not meant to cover routine exams, preventive care, dental or eye
care, or immunizations.

Short term insurance plans
are exempt from HIPAA legislation. This means that when issuing a short term
health insurance policy, insurance carriers do not have to: guarantee
renewal, guarantee issue, or waive the pre-existing condition limitation for
federally eligible individuals.

Most importantly, short term
health insurance plans provide coverage for a limited time frame only.
Once this time frame ends, you may or may not be able to buy additional
health insurance, depending on your health at that point in time.

FAQ's

1. What is individual and family
health insurance?

Individual and family health insurance is a type of health insurance coverage
that is made available to individuals and families, rather than to employer
groups or organizations. Given the option, most people would prefer to have
their employer provide group health insurance coverage. But, if this is not an
option for you, it is still important for you to seek coverage. You may be
pleasantly surprised with the variety and affordability of the individual and
family health insurance options available.

2. What kinds of individual and
family insurance plans are available?

Individual and family health insurance plans are usually described as either
"indemnity" or "managed-care" plans. Put broadly, the major differences concern
choice of healthcare providers, out-of-pocket costs and how bills are paid.
Typically, indemnity plans offer a broader selection of healthcare providers
than managed care plans. Indemnity plans pay their share of the costs for
covered services only after they receive a bill (which means that you may have
to pay up front and then obtain reimbursement from your health insurance
company).

There are several different types of managed-care health insurance plans. These
include HMO, PPO, and POS plans. Managed-care plans typically make use of
healthcare provider networks. Healthcare providers within a network agree to
perform services for managed-care plan patients at pre-negotiated rates and will
usually submit the claim to the insurance company for you. In general, you'll
have less paperwork and lower out-of-pocket costs with a managed care health
insurance plan and a broader choice of healthcare providers with an indemnity
plan.

3. How does a PPO plan work?

As a member of a PPO (Preferred Provider Organization) plan, you'll be
encouraged to use the insurance company's network of preferred doctors and
hospitals. These healthcare providers have been contracted to provide services
to the health insurance plan's members at a discounted rate. You typically won't
be required to pick a primary care physician but will be able to see doctors and
specialists within the network at your own discretion.

You will probably have an annual deductible to pay before the insurance company
starts covering your medical bills. You may also have a co-payment for certain
services or be required to cover a certain percentage of the total charges for
your medical bills.

With a PPO plan, services rendered by an out-of-network physician are typically
covered at a lower percentage than services rendered by a network physician.

4. How does an HMO plan work?

Though there are many variations, HMO (Health Maintenance Organizations) plans
typically enable members to have lower out-of-pocket healthcare expenses but
also offer less flexibility in the choice of physicians or hospital than other
health insurance plans. As a member of an HMO, you'll be required to choose a
primary care physician (PCP). Your PCP will take care of most of your healthcare
needs. Before you can see a specialist, you'll need to obtain a referral from
your PCP.

With an HMO you'll likely have coverage for a broader range of preventive
healthcare services than you would through another type of plan. You may not be
required to pay a deductible before coverage starts and your co-payments will
likely be minimal. With an HMO plan, you typically won't have to submit any of
your own claims to the insurance company. However, keep in mind that you'll
likely have no coverage whatsoever for services rendered by non-network
providers or for services rendered without a proper referral from your PCP.

5. How does a POS plan work?

A POS (Point of Service) plan combines some of the features offered by HMO and
PPO plans. As with an HMO, members of a POS plan are required to choose a
primary care physician (PCP) from the plan's network of providers. Services
rendered by your PCP are typically not subject to a deductible. Also, like HMOs,
POS plans typically offer coverage for preventive care visits.

Typically, however, you will only receive a higher level of coverage for
services rendered or referred by your PCP. Services rendered by a non-network
provider may be subject to a deductible and will likely be covered at a lower
level. If services are rendered outside of the network, you'll likely have to
pay up-front and submit a claim to the insurance company yourself.

6. How does an Indemnity plan
work?

A traditional Indemnity plan offers a great deal of freedom in choosing which
doctors and hospitals to use, but will probably involve higher out-of-pocket
costs and more paperwork.

Under an Indemnity plan, you may see whatever doctors or specialists you like,
with no referrals required. Though you may choose to get the majority of your
basic care from a single doctor, your insurance company will not require you to
choose a primary care physician.

However, this kind of freedom will cost you. You'll likely be required to pay an
annual deductible before the insurance company begins to pay on your claims.
Once your deductible has been met, the insurance company will typically pay your
claims at a set percentage of the "usual, customary and reasonable (UCR) rate"
for the service. The UCR rate is the amount that healthcare providers in your
area typically charge for any given service.

An Indemnity plan may also require that you pay up front for services and then
submit a claim to the insurance company for reimbursement.

Health insurance

Health Insurance

What is Temporary Health Insurance?

Important Information About Temporary Insurance:

Important Information About
Temporary Insurance: