• Short Term Health Insurance Blog

  • Wednesday, May 16, 2012

When you leave your job whether voluntarily or involuntarily, it is comforting to know that you can opt into COBRA coverage to preserve your health insurance benefits. After all, no one wants to be without healthcare, particularly if you have a family. But what happens when COBRA proves to be more expensive than you had planned for? That is where short term health insurance for unemployed comes in handy.

COBRA can be a very appealing option when you consider that it allows you to continue participation in the same healthcare plan you were a member of a while at your employer. Knowing you can stay with your current doctor and give your family the coverage they need is a great feeling. But the problem with COBRA is that the luxury of continued plan participation after your employment is discontinued comes with a very heavy monetary price.

The premiums associated with COBRA are very high, costing you as much as a thousand dollars for coverage that may have cost you a hundred during your employment. Who has that much extra money to spend on insurance these days? Short term health insurance for unemployed provides a great money-saving alternative. It is much more inexpensive than COBRA coverage, and it still provides you and your family with access to high quality medical treatment.

If you have been terminated from your job, or you have left your old job for a new one but are not yet eligible for group insurance coverage, do not assume that COBRA is your best option. Look at the costs and benefits of COBRA in comparison to short term plans, and decide for yourself which one makes the best fit for your family. You may be able to save significant amounts of money and still get superior care.

With summer in full swing, youngsters crazy about becoming brown-skinned storm both natural and artificial tanning beds like beaches and indoor tanning salons. Little do they know that they are risking their skin by exposing it making it vulnerable for cancer attacks. The sunburn rate has raised in the recent years causing concern in health department. If this is going to continue, cancer clinics will become really crowded affecting the country in many different ways. However skin cancer will not affect these tanning freaks alone but can affect other people too which is why one should own a health coverage. If you are anot able to afford something costlier like COBRA, wouldn’t it be a blessing if there is an alternative available? Of course COBRA insurance alternatives are available.

The reason behind people getting affected by skin cancer are abound. Some of these reasons may be attributed to sales and marketing jobs that demand loads of travel or roaming around with friends for fun or due to people not using their sunscreen or ignoring to reapply after the day’s first application or genetic transmission of cancer cells. The white-skinned people are more prone to skin cancer. This doesn’t rule out the possibility of dark skinned people getting skin cancer. Only the probability is less in dark-skinned people.

At a younger age, people are attracted towards getting their skin tanned without realising the consequences. The sunburn caused at 18 years can manifest as cancer when you are 40. Precautions can be taken by avoiding the direct contact with sunlight from 10 AM to 4 PM, applying sunscreen while going out and reapplying it when the effect wears out. Though awareness are being created, only very few listen and take necessary steps. Others neglect it exposing our skin to the lethal enemy, the sun or the tanning clinics.

After reading the above information, as a wise person, I am sure that you will avoid taking any risk. But still it does not rule out the possibility totally as there are other factors like genetic transmissions or any other probable unknown reasons. So it is imperative that you should never live without a health coverage. If you are not able to afford something like COBRA, you can comfortably procure COBRA insurance alternatives. This insurance is ideal for someone who are laid off by employers who don’t offer Employee Group Health Insurance or COBRA. The coverage is available upto a period of a year.

Joblessness is the most pressing issue that is eating up country’s economy. But this April’s increase in hiring has reduced the wrinkles on the economy’s face. The wrinkles are not yet ironed out fully as this job production has still not lowered the country’s 8.2 percent unemployment. If you are the one who is falling under this unemployed category and do not possess any health coverage, you should immediately consider going for health insurance for unemployed.

The increase in employment is going to greatly benefit the country’s economy. The President also will benefit in the forthcoming elections. When Mr.Obama became the country’s President, unemployment was soaring at 10 percent. Then as winter approached, it stooped down to 9 percent and then settled down to a steady 8.2 percent. With economy picking up momentum, this is expected to reduce still further.

Remaining unemployed with a family to support is too risky and can leave you stranded on streets. Though jobs are generated gradually, the momentum of job generation is not lost. But you and your family should survive until you leave the jobless bunch. Only after you re-enter the arena of employed persons, you will be able to afford a long term health insurance and range of other comforts. Until then you should not remain disarmed as health problems can affect anyone irrespective of his social strata and financial status.

This is why you should have the shield of health insurance for unemployed. This insurance is ideal for people who are jobless and on a hunt for the same. The plans are flexible and are available for a period as low as 1 month or for as long as a year. The options for initial deduction range from $250 to $5000.These can be decided at the time of opting for a plan.

Malaria holds the world’s fifth position as a killer disease. This is an infectious disease caused by mosquito in humans and animals. A simple mosquito bite can cost your life. This is why it is important that we don’t ignore it’s symptoms or a valid health insurance, one should always possess. If you are in your waiting period of a permanent health insurance,arrange to own a short term health insurance at the least. This is because if you are attacked by a disease during this waiting time, your future health insurance will not provide coverage. And it’s of no use regretting that you should have already arranged a temporary medical coverage.

The disease “Malaria” is caused by multiplication of Plasmodium parasites inside red blood cells(RBC), which is nothing but an army of soldiers that fight against bacterias and viruses entering the body. But since the RBC itself is targeted by these parasites, our body loses it’s immunity and becomes vulnerable.

There are five species of malaria, of which only one variety is fatal and can kill the infected. The symptoms include fever associated with headaches. Though medications are available, malarial deaths are still occuring. And the shocking news is that the malarial parasites are now becoming resistant to the most popular drug, “Artemether”, used for treating it. The findings reveal that this is caused by genetic mutations in the parasite transmitted by the infected mosquitos. This mutation develops resistance to the drug and threats the cure.

This disease will not just contain itself to it’s origin which is Sub-Saharan Africa but is expected to spread all around the world. Now that the drug is losing it’s power, researches are in full swing to find a more powerful drug. The treatment will also become costlier. Under these circumstances, one should not neglect the necessity of possessing atleast a short term health insurance. This insurance is most suited for those switching jobs or waiting for their permanent health insurance to take effect or on COBRA or fresh graduates. The coverage can be requested even for the whole family.

Nowadays to be diagnosed with cancer especially prostate cancer among men is like visiting a coffee shop to meet an old friend. Though it’s occurence is common like a fever or cold, the treatment associated with it will really cost a fortune. These kind of costly illnesses though believed to be rich people’s property, does not differentiate between rich and poor. This applies to any disease or disorder which is why you should always have your health covered under atleast temporary health insurance.

Even one of the world’s top billionaires, Mr. Warren Buffet has been diagnosed with Stage 1 Prostate cancer. Prostate cancer is a cancer that develops in a gland called “prostate” in the male’s reproductive system. Most of these cancers develop only gradually though some are very aggressive. There are many factors that can be attributed to the cause of this cancer like genetic carryover and diet. This cancer usually occurs in men who are older than 50 years of age. The symptoms usually manifest in the form of difficulty in urination or sexual problems though many people do not have any kind of symptoms. This is usually treated through surgery or radiation therapy or hormonal therapy or chemotherapy.

Since prostate cancer is attacking men like fever or cold, it is imperative that we become conscious of how we should take care of our health. From our side we need to be conscious of our diet, go for regular health check-ups and most importantly possess a temporary health insurance if you do not have a permanent one. This insurance caters to people without any health coverage, people who are shifting jobs, people who are waiting for their permanent insurance etc. It provides coverage for any sudden sickness or injury. However the pre-existing conditions are not provided. The coverage is given for hospitalization, diagnostic tests, doctor clinic visits, organ transplants and repatriation.

Though cataract is now a commmon occurence among elderly age group, children are also prone to cataract. This tops the list of causes for blindness. This can happen to anyone and one should not regret later for not possessing a valid coverage for health. This is why short term health insurance provides time and opportunity for it’s customers to choose a long term coverage.

Cataract means developing a property of opaqueness by the natural eye lens thus deteriorating the vision resulting in blindness. This happens due to metabolic changes of the crystalline lens that loses it’s transparency. Surgical procedure for this replaces the natural lens with artificial intraocular lens thus restoring the vision. With recent advances in technology, this procedure is performed with minimal or no discomfort to the patient. The speedy recovery is also an additional tonic for patients. Minor care is only needed on the part of patients which is avoiding of any strenuous exercise that can increase blood pressure.

This disorder which is known to attack anyone irrespective of the age, is something that we should be wary of which is why one should always possess short term health insurance in the absence of other long term ones. Short term health insurance is an insurance for US residents below 64 years and best suited for people who are on job transitions or awaiting Medicare or fresh graduates. This provides coverage for spouse and dependants of the applicant also.  The only condition is that the applicant should not be sick at the time of applying.

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