• Short Term Health Insurance Blog

  • Wednesday, May 16, 2012

Nowadays living a life void of any health insurance is like being handicapped. If you are not protected by any group health insurance or any form of insurance, you should really consider the option of applying for short term health insurance in VA if you reside in Virginia. Otherwise staying unproteced puts your whole family at the risk of expenditure due to sickness.

The death of 14-year old Ashley Long due to helium inhalation proves the importance of an insurance. She had informed her parents that she would be off to slumber party for the night. But instead, she travelled in a car with her friends and was enjoying a party with booze and marijuana. The group went a step further inhaling helium to sound funny. When it was Ashley’s turn, the gas made her unconscious and finally she died in the hospital.

Had Ashley been careful, she would not have died. Or if she had got the right kind of treatment on time, she would have been saved. All of the above will incur medical expenses which can be handled easily if one possesses a short term health insurance in VA being a resident of Virginia. This insurance is ideal for people who are in their waiting period of procuring a permanent health insurance. It offers two plans namely assurant health short term insurance and HPA secure short term medical insurance. The former is ideal for people waiting for employer group coverage and the latter provides you and your family a comfortable medical coverage for as long as you have subscribed.

With the flu season in full swing, though it has started late, is definitely to be faced and fought against. The reign of flu that usually starts in December or January and ends during late February has entered late this year. The reason for the same is unknown. Probably the climatic or other factors are responsible for the same. Whatever the reason, are you prepared financially to face all of this? To be more clear, do you possess some form of health insurance or are you in the investigation stage of choosing the right insurance or are you in the transition stage of moving from one health insurance to another or seeking a substitute for COBRA? If you fall under any of the above categories and do not possess any health insurance at present, you should really consider the alternatives to COBRA insurance.

When you possess this insurance, you can breathe easily, relax, investigate and then choose an appropriate health insurance on a long term basis. Some people do not feel the need of the features offered by COBRA and would seek an insurance tailor-made to their needs. For such people, the alternatives to COBRA insurance serve as the best. This helps the individuals whose general health is good. It also helps them strike a balance between premiums and benefits.

At every point in life, nature teaches just one lesson - “Always expect the unexpected”. This is a reason good enough to stress on the point that we should always possess an insurance to take care of sudden health expenses. If you are not covered under any such insurance and are exploring various options available in the market, avail a short term health insurance till such time. So until the time you decide on a long term plan, you still stay protected.

Recently I read a news about a family that was rescued from Pacific ocean after their boat capsized. The family which had a father with his two sons lost all hopes of getting back alive. Just as they were about to be rescued, the bigger ship capsized the smaller boat throwing the trio into the mighty ocean. Though the rescue crew could get hold of one of the sons, the other two were being washed away beyond their reach. Inspite of the worse climatic conditions, the crew rescued the other two with great difficulty.

If we were to become a part of such an incident, it causes lot of mental stress and might require medical attention. It might even cost a fortune depending on the intensity of shock. So it is better to possess a short term health insurance rather than not possessing any health insurance. This insurance can be availed by anyone who is under 64 years and do not possess any kind of coverage. This insurance also provides coverage for the spouse and dependents.

A very close friend of mine, Mittany and her husband, Peter with their two kids made a complete contented family. Peter was a successful wildlife photographer and Mittany was a clerk in a law firm. Both earned a hefty package and lived a luxurious life in Maryland. As Peter was elevating very soon in his career, Mittany decided to take a break in her career to fend for her kids. Knowing fully well that she will no longer be covered under employer group insurance plan and that it will take some time for her to get a permanent health insurance, she had wisely opted for short term health insurance Maryland.

Everything was smooth until a disaster struck their family in the form of an earthquake in August 2011. Mittany was 5 months pregnant at that time. The shaking caused by the impact of earthquake landed as cardiac arrest on Peter and he passed away all of a sudden leaving his whole family in distress. Mittany had to fight through all the problems, the most important problem being her pregnancy. Though the couple had an envious lifestyle, Mittany was left with too little savings.

It was short term health insurance Maryland that helped her out in such stressful times. This insurance offer two types of insurance plans - assurant health short term insurance and HPA secure short term medical insurance. Assurant health short term insurance offers coverage on a temporary basis for those without any immediate health insurance. HPA secure short term medical insurance offers coverage for the whole family on a temporary basis until a permanent insurance is availed.



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