• 20
  Aug
  2010

• Be Aware of Temporary Health Insurance Limitations

  
  Filed Under: Blogging

Losing your job can be an extremely stressful experience. You will suddenly need to worry about how you will afford monthly mortgage payments, as well as credit cards, utilities, and other ongoing expenses. Additionally, your employer probably provided your family's health insurance plan, so losing your job has probably cost you this important benefit. Temporary health insurance provides a cost-effective way to maintain a sufficient level of coverage so that if an emergency occurs you will not be faced with extremely high bills.

However, it is important to note that while this type of insurance offers many great benefits at a reasonable price, it is not without limitations. For instance, if you are ill at the time you apply, you will likely not be able to obtain coverage. Additionally, wellness checkups (doctor's visits to make sure you are doing ok, and not necessitated by a specific illness) will not be covered under most temporary plans.

Other items that are typically not covered include preventative care, vision, and dental care. Vaccines also may not be covered. You will want to be sure to consult your plan's specific guidelines to get an official ruling on each of these items.

Temporary health insurance can be quite valuable to your family if you suddenly find yourself without a job. It can provide great emergency care at a rate lower than COBRA coverage. But you should realize at the time of applying it is designed more for emergency situations as opposed to "maintenance" medical needs.

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