• Short Term Health Insurance Blog

  • Friday, July 28, 2017

For many people, vacationing abroad is a dream come true. Perhaps they have been working all their lives and a vacation to Europe is their retirement present to themselves. Or maybe they are planning a vacation while they are still working as a way to unwind. No matter the reason for it, traveling abroad is always a great experience. However, if you encounter a medical issue you are not prepared to deal with during your travels, your adventure could be tainted. To protect against such a scenario, make sure you are traveling with a short term medical insurance plan.

While planning your trip, you have probably spent lots of time thinking about where you will stay. You probably price shopped for hours on web sites, comparing room rates and amenities. And you probably spent quite a bit of time looking at flights. After all, who doesn't want to get the lowest fare and shortest overall travel time. And you probably have spent lots of time planning out family activities like visiting the beach, going to theme parks, or checking out zoos or museums.

But how much time have you spend planning on what you will do if you or a family member becomes ill or injured? Unfortunately many people do run into illness and injuries on vacation. And even worse, many have not properly planned for such an event. That leaves them in a panic to find the care they need, and often with a large bill since the country they are in does not recognize the insurance from their home country.

With a short term medical insurance policy, you can get the care you need at an affordable rate. so rather than paying the full cost for treatment, which could yield bills of hundreds or even thousands of dollars, the policy will absorb the bulk of your fees. That leaves you able to travel confidently, knowing that any unforeseen issues that arise can be covered with your helpful policy.
In the United States, the most common way to obtain medical coverage is through your employer. Most citizens rely on their employers to provide healthcare at a more affordable rate than they could purchase on their own. But what happens when you are too old to work? Medicare is a program that offers help to many people in that situation, but not everyone is eligible. If you are not yet eligible, then short term medical insurance presents a great opportunity for you.

Medicare is a great program that lots of U.S. citizens rely on to help keep down the cost of doctor's visits, prescription medication, and medical procedures. The people who receive are not employed and likely would not have the financial means to afford the treatment they need without it. But you must be at least 65 years old in order to be eligible for Medicare coverage. That leaves many people in a difficult situation.

There are many senior citizens who do not hold down the type of full time job that provides healthcare benefits, yet are still not 65 years of age and therefore do not qualify for Medicare coverage. So they must make some very tough decisions when health issues arise. Do they spend money they do not have to get the care they need, or do they try to get by without being treated? No one wants to find themselves in that position.

Short term medical insurance offers people who need an affordable healthcare solution but who are not yet old enough to qualify for Medicare a very viable option. With this type of insurance, you can visit the doctor, undergo procedures, get prescription medications, and much more, all at reasonable rates. Then when you become eligible for Medicare, you can transition away from your short term plan smoothly.
As politicians in the United States continue to jockey for position with 2012 elections in mind, perhaps the biggest topic on American citizens' minds is employment. For some time now, the unemployment rate has hovered around 10% in the U.S., with some areas hit especially hard. While the resolution to this problem for the country at large will take some time to address, there is one short term aid for citizens afflicted by unemployment: short term health insurance coverage.

When a person loses his or her job, one of the biggest concerns is how health care issues will be addressed. No one wants to think that their family members may not be able to get the care they need, nor do they like to think they will be forced into financial difficulty because of the cost of medical care. But without insurance, many unemployed Americans face this dilemma regularly.

A short term health insurance coverage plan offers relief from this problem. This type of insurance can be purchased when a person has lost his or her job, offering a cost effective way to maintain a high level of coverage. From emergency room visits to many types of outpatient care, policyholders can enjoy valuable protection. This will help alleviate stress and allow unemployed citizens to focus their full attention on finding a new job.

This insurance is also useful to people who are starting a new job. Imagine how frustrating it would be to have been unemployed for several months, to have finally landed a job, and to then find that you must pass a probationary period before you can become eligible for insurance. This is a common scenario though, so it is best to be prepared in whatever way you can. With a short term policy, you can keep a high level of protection during your probationary period, saving you money in multiple ways.
If you are like most Virginia residents you know someone who has experienced a career transition in the past 2-3 years. In fact, based on statistics, there is a good chance you have even experienced a career transition of some sort yourself. During this period, it is critical to maintain an adequate level of insurance coverage, and to do so at an affordable rate. Thankfully there is a product that makes it easy to do so, and that product is known as short term medical insurance Virginia.

One common cause of career transitions is finding a new professional opportunity. In the current economic climate, many people are leaving their current employer to pursue new opportunities because vacancies are occurring rapidly. When you change jobs, you may find that your new employer requires you to be at your new company for a probationary period. Perhaps you must be there 45-90 days before becoming eligible for benefits. What will you do in the interim?

The other common circumstance that creates a need for short term medical insurance Virginia is unemployment. As you are well aware, the unemployment rate in the U.S. has been around the double digits for some time now, and the state of Virginia has certainly not been immune to those problems. Therefore many people have lost their jobs over the last few years. And along with losing your job comes loss of your insurance coverage. While COBRA care is offered to these people, the costs behind it are simply too high for someone with no income to afford.

In each of these instances, a short term plan makes perfect sense. With these plans, you can still enjoy a high level of medical treatment quality, and you can experience the peace of mind of knowing your family is protected in emergency health scenarios. The plans are mindful of your financial situation. so you will be able to get the treatment you need at an affordable rate. If any sort of career transition is on your horizon, make sure you look into this type of insurance.
It is that time of year - a hurricane is projected to hit, and the impact will be felt not only residents in the area, but also by travelers. The impact felt by travelers in these types of situations is often overlooked, but it is very real, as losing the money you put towards plane tickets, hotel accomodations, and other items can be quite expensive. Is there any way to salvage your investment? Thankfully there is hope, and it comes in the form of short term travel insurance.

The hurricane in question is Hurricane Irene. This hurricane was being classified as a Category 3 hurricane and has now been downgraded to a Category 2 hurricane, But that does not mean it cannot or will not cause significant damage. A Category 2 hurricane can still deliver winds in excess of 110 miles per hour, creating devastation for homeowners and business owners in the effected area, and potentially creating havoc for anyone traveling in or out of the affected region.

The East Coast of the United States is the area set to be hit by Irene.New York, Boston, and Philadelphia are all in the path of the storm, and because these are highly-populated, tightly-packed areas, the potential for damage is incredibly high. Additionally, those cities are major international travel hubs, which will leave many traveler stranded and also out of significant travel investments.

By purchasing short term travel insurance for trips you can help protect the money you invest on plane tickets, hotel accommodations, event tickets, and other travel items. This type of insurance policy offers superior coverage when unforeseen events arise, providing you with peace of mind so that while you cannot control the effects of a weather problem like this, you can at least guard your finances.
These days, people find themselves facing greater unemployment instability than ever before. Many states are facing double digit unemployment rates, and have been for some time now. Workers of all ages and backgrounds must take work wherever they can find it. Often times, that means working as a temporary employee, a type of position that does not include benefits. If you find yourself using temporary work to make ends meet, then you will appreciate short term medical insurance.

Temporary work is work that is offered by a company to employees with no guarantee of future employment. Perhaps a company is experiencing rapid growth and needs help during a transition phase. Maybe a company has recently lost several workers and is staffing up with temps while it recruits permanent employees. There are many reasons a company might turn to temporary help.

Traditionally when people hear the word "temp," they think of unskilled or low-skilled help that is brought into a company for very basic duties. This could include making copies, answering phones,and completing other tasks which can be completed without much technical knowledge. But increasingly you see skilled professionals being used in a temporary capacity. This may be as contract work, in which a professional is brought aboard for a defined period of time to complete a series of tasks, or in a more traditional temporary arrangement.

The upside to these positions is they allow you to look for permanent work while you keep money coming in. And some people enjoy the variety of going to different work environments. But the downside is that you will likely not have any benefits on your side. So if a medical issue arises, you will find yourself paying full price for treatment at the doctor's office or hospital. However, if you have a short term medical insurance policy, you can save yourself a considerable amount of money. For a low investment, this type of insurance offers you affordable access to high quality health care, erasing your worries about health coverage and offering peace of mind to your family.

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