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Are You Qualified For A Stop Gap Health Insurance Policy
When people think of health insurance, they think of regular health insurance, that covers prescribed medication, surgery visits, and hospital care. However, such health insurance is not always available. Possibly you are switching from one job to another, or maybe you are employed part-time, or with a seasonal agency that does not offer full health coverage, or you might be attending or just graduated from school. Under these conditions, a typical health insurance cover is sometimes not available. If you are unable to afford typical health insurance, but would like some coverage in the case of an accident or emergency, then stop gap health insurance is your best solution.
A health insurance gap can be bridged by a short term health cover policy, when conventional health cover fails, because of some unforeseen situations. The idea of stop gap health insurance is built into the name, it is a short term solution offering short term coverage, with the expectation that at some point, you will begin or continue traditional health insurance coverage. It is tailored-fit for those who would like some coverage in case of an accident or injury and only includes emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care. Though policies vary, these are often standard in stop gap health insurance coverage. However, short term health insurance does not cover routine medical check-ups, nor do they cover current medical conditions. If you are in search of this sort of coverage, you should consider obtaining a traditional health insurance policy or look into other options.
The expense of obtaining stop gap health insurance cover varies from company to company, you could have a monthly premium, ranging anywhere from $25 to $100, depending upon the plan's coverage and deductible, which often begins at $250 and can increase to $5,000. Most policies in these times also offer a generous pay out figure, which quite often is around one or two million dollars. Policies allow you to select coverage for specific lengths of time, from 30 to 180 days, but almost no short-term policies will extend past one year.
How do you acquire stop gap health insurance? It is not as hard as it may seem. A simple online search will yield a number of companies that offer short term health insurance coverage. Performing an online search will also give you the chance to compare different companies and different plans. Just be certain to research each of the policies carefully to understand your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.
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