Workers Health Insurance » Short Term Health Insurance

Health Insurance Tips for Self-employed Individuals

admin — Tue, 20 Jul 2010 10:10:36 +0000

Being self-employed is one of the most liberating experiences you can ever have. When it comes to health insurance, it does not mean that you do not have any options if you are self-employed. In fact, you can easily find a good plan if you know where and how to look.

One option is to find a short-term plan while you haven’t found a comprehensive long-term package yet. Of course, as the name implies, this should not be your permanent plan.

Another option is, if you’re a practicing professional, you may be able to get group coverage via your professional association. This is not the best option as the coverage may be limited, but it is better than nothing.

When looking for a long-term plan, you ought to take a look at as many providers as you can. Individual plans may be a little more expensive in some cases, but you will be able to declare this as tax-free income.

Coverage and Cost of Short Term Health Insurance

admin — Tue, 19 Aug 2008 12:28:25 +0000

You might find yourself at a point where you will need short term health insurance, but do you know what will be covered by the policy? Do you also know how much it will cost you?

Let’s start with the coverage. The good news is that is that in general, short term health insurance policies have the same coverage as standard policies. However, most short term health insurance policies usually only cover fee-for-service issues – preventive maintenance such as check ups will not be covered. More so, dental care and optical care are usually not covered as well.

As for the cost, the news is even better. Short term health insurance policies are considerably cheaper than the standard policies which are renewable. How does $25 to $100 a month sound to you? That is how cheaply a short term health insurance policy can come. For a stopgap measure, it really is something that you should consider.

What is Short Term Health Insurance?

admin — Sun, 08 Jun 2008 12:22:58 +0000

Health insurance is usually meant for a long period of time, but there is such a thing as short term health insurance. This kind of health insurance is meant to be a stop gap measure. Sometimes, there is a short period of time in between the renewal of standard health insurance policies. Alternatively, when one decides to change providers, there might be a short period – several months at least – wherein the individual does not have health coverage.

Why is it necessary to take out short term health insurance?

You never really know what might happen in the months between your old and your new standard health insurance policy. Taking out a short term insurance policy can give you the security that you need.

It is important to remember, though, that you should not see short term health insurance as a substitute for standard policies. This kind of insurance is usually non-renewable anyway, so you will really have to rely on standard policies.

In the next post, let’s take a deeper look at short term health insurance.