Why Short Term Health Insurance is required?

Article by John Elton









Millions of people are benefited with the excellent idea of health insurance schemes. In the present world of unhealthy food habits, highly polluted environments, stresses in life, the mental and physical pressure due to the insecurity and many other factors affecting very badly the health of populace, meeting the soaring expenses of medical treatments is really posing challenges. Health insurance schemes have been the major attraction in countering the sky rocketing medical expenses. There are many kinds of medical insurance schemes like individual health insurance, family health insurance, group health insurance and short-term health insurance schemes. This article concentrates on short-term health insurance schemes.

What are short-term health insurance options? Why do you require short-term heath insurance? Generally health insurance schemes are offered annually. The payment what you are paying to get a health insurance will cover the medical expenses for a year. But there are many instants in which you and your family require short-term health insurances. It can be individual health insurance or family health insurance. The health insurance companies have already floated many short-term schemes such as insurance coverage for 3 months or 6 months. I will just give two specific examples in which one has to go necessarily for a short term insurance cover.

Assume that you are just leaving you employer and trying to catch up with another employer. Usually there is a period in between the relieving and joining back. This short period you require a health insurance scheme to cover the unexpected medical expenses. You just cannot go ahead without the medical coverage taking the risk of any emergency situations. It can be from 3 months to six months in general. Here the requirement of short-term health insurance arises. Generally in the case of you quitting an employer, you can ask for short-term health insurance coverage from the employer. They will mostly offer you the facility for you and your family for 90 days. That must be sufficient enough to join another firm.

Consider another situation of moving from your place to another region, especially to a foreign country. The health insurance policy operating here is not valid in another country. Your trip may be only for a short duration; you may be in a vacation tour or an official tour. Again you are facing a situation of short-term health insurance requirement. The short term health insurance schemes in this case offer you coverage for the actual number of days in tour, from the day one of your take off to the day on which you return.

In the above situations you are compelled to take necessary health insurance packages to cover up the short period. There are many companies online offering you the services for short-term health insurance. They offer you the maximum discount, as they know you are probably out of job. It is better for you to get premium quotes from many and select the beneficial short-term health insurance policy. You need to do an extensive online search to find out the best short-term health insurance offer.



About the Author

Jon Elton owns and operates a Car Home Life Insurance Quotes website to help while making decision about insurance. He also operates a Cheap Car Auto Insurance site to help taking decision about auto Insurance.










latimesblogs.latimes.com New TYT Network channels: www.youtube.com www.youtube.com New TYT Facebook Page(!): www.facebook.com Follow us on Twitter: twitter.com www.theyoungturks.com DISCOUNTS: www.theyoungturks.com FREE Movies(!): www.netflix.com Note: The above two links are for TYT sponsors. Read Ana’s blog and subscribe at: www.examiner.com TYT Network (new WTF?! channel): www.youtube.com Check Out TYT Interviews www.youtube.com Another one of California’s largest health insurers has stunned individual policyholders with news of huge rate increases — this time it’s Blue Shield of California seeking hikes of as much as 59% for tens of thousands of customers March 1. Blue Shield’s plan comes less than a year after Anthem Blue Cross tried and failed to raise rates as much as 39% for about 700000 California customers. San Francisco-based Blue Shield said the increases were the result of fast-rising healthcare costs and other expenses resulting from the new healthcare laws passed last year. “We raise rates only when absolutely necessary to pay the accelerating cost of medical care for our members,” the company told its customers last month. In all, the insurer said that 193000 policyholders would see increases averaging 30% to 35%, the result of three separate rate hikes since October that have been rolled into one for about 7000 members. Nearly one-quarter of the affected customers — 44000 — will see cumulative increases of more than 50% over five months. Blue Shield
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