Insurance coverage is extremely important to protect from unpredictable events that can dramatically alter life situations. Accidents and illness and other unforeseen events can happen to anyone at anytime. To protect from unfortunate situations and protect loved ones from difficulties insurance coverage plays a very important role. Insurance is highly recommended to people of all ages and there is an insurance coverage to cover most situations or events.
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I need advice on a good and "affordable" Short Term Health Insurance plan for me and my wife.?
All this is because I have to wait until July 2008 to get the one from my current job. I live in Orlando, FL. I heard of Assurant and some others but I would like to hear from people who had experience with any of these Short Term Health Insurance companies...Thanks in advance, JS.
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Should losing HIPAA eligibility be a concern for me when considering short-term health insurance?
I recently graduated from college and am considering purchasing a short-term health insurance plan. I read that the drawback of purchasing a short-term plan is that it makes you ineliglble for HIPAA, which covers pre-existing medical conditions.
As far as I know, I don't have any pre-existing medical conditions. Does this mean that losing HIPAA eligibility is completely irrelevant for me and that I can safely purchase a short-term health insurance plan?
Or, is there a reason to preserve my HIPAA eligibility for the future? Am I ineligible for HIPAA forever, or just while I'm on the short-term health plan?
Thanks!
MB: To answer your question of what I'm talking about, I'll copy and paste one of the things I've read that prompted my question:
Will purchasing a short-term insurance plan make it harder for me to get coverage in the future for a pre-existing medical condition?
If you recently lost health insurance coverage through an employer, purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue, individual health insurance plans commonly referred to as HIPAA plans. Oftentimes, HIPAA plans are quite expensive but may be appropriate for those whose pre-existing conditions make it difficult to obtain health insurance in the private market. Therefore, if you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term health insurance plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.
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If you have a long-term health problem while on short-term health insurance, what happens when it expires?
For example, let's say you purchase a short-term health insurance plan with a duration of 6 months. Then, 3 months from now, something goes wrong that will require treatment for many months or years (cancer, liver problems, a bad accident, etc).
Will the short-term health insurance plan only pay for your treatments for the remaining 3 months until the policy is set to expire? Or, since the health problem occurred while the plan was in effect, are treatments covered indefinitely (up until the lifetime maximum dollar amount is met)?
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