The Use Of Temporary Health Insurance

If you're headed to Bora Bora or Berlin, temporary health insurance is often sought by people planning to travel outside the U.S. It's also used by students, people between jobs, and those waiting for new coverage to kick in. It's primarily intended for healthy people without pre-existing conditions who want to guard against a financial catastrophe in case of unexpected illness or injury.

Premiums for most temporary health insurance coverage are low cost. This insurance is available in increments up to a 180 day maximum. You select the period that best suits your temporary needs: 30 days; 60 days; 90 days; 120 days; 150 days; or 180 days. The benefit period you select is the maximum length of time that your coverage will stay in force.

Most of the plans are not renewable and they're not intended to be replacements for permanent coverage. Your temporary coverage will terminate as soon as your term period ends. (However, you may be eligible to apply for another period following the expiration of your previous period.)

If a new period is applied for and issued, there is no continuous coverage between any previous and current period. Any condition or symptom which occurred under a previous period may be treated as a pre-existing condition under a subsequent period. Each policy follows its own set of rules.

What's Usually Covered by Temporary Health Insurance:

Ambulance

Emergency Care

Prescriptions

Surgery

Follow-up Care

Diagnostic Tests