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Child Health Insurance Articles

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Short Term Health Insurance Coverage

by Kent Pinkerton

This article provides useful, detailed information about Short Term Health Insurance Coverage.

You could find yourself without health insurance cover in situations like changing jobs, choosing a new long-term insurance plan or waiting for a group insurance policy to become effective. Short-term health insurance is meant to protect you during such breaks. This coverage can also include your spouse and children. Such policies are normally issued for one to six months. They usually cannot be renewed, but most insurance companies allow you to apply for a similar policy when the existing one expires.

Coverage becomes effective within 24 hours of submitting the application. However, you can defer the effective date of the policy up to 30 days. The application is a easier process than that of a standard insurance policy. Some insurance companies charge a processing fee of $25.

There are certain contingencies that short-term health insurance does not cover. These include per-existing medical conditions(medical problems that have been diagnosed and treated during the previous three to five years), dental and vision care, immunizations, medical check ups and preventive care. Apart from these, though specific policies may vary, a short-term policy would normally offer the same coverage as regular policies. The maximum pay out by the insurance companies in short-term policies is likely to be fairly high.

Since the policy is for a short term, you could opt for a higher deductible and reduce the premium. Deductible means the amount you must pay to meet your medical bills. The insurance company will pay all expenses beyond that.

If you are not sure how long you will require coverage, it is better to opt for monthly premium payments. Otherwise, choose to make one payment up front, and the cost will be less.

A short-term policy is only a temporary measure and not a substitute for regular health insurance cover. Once your long-term policy becomes effective

, contact your insurance company and cancel the short-term policy.

ABOUT THE AUTHOR
Individual Health Insurance Coverage provides detailed information on Health Insurance Coverage, Individual Health Insurance Coverage, Travel Health Insurance Coverage, Maternity Health Insurance Coverage and more. Individual Health Insurance Coverage is affiliated with Personal Health Care Insurance Quotes.

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Child Health Insurance News

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Yahoo! News Search Results for Child Health Insurance
Yahoo! News Search Results for Child Health Insurance

Finding Affordable Health Insurance Is Easy (Carteret County News-Times)
16 May 2008 at 1:57pm
(ARA) - Having health insurance gives us piece of mind. But have you ever thought you might be overpaying for your coverage? Or what if you find yourself without health coverage and need to find somet...
Lawmakers start work on child health care mandate (Asbury Park Press)
16 May 2008 at 8:25am
A plan to mandate health insurance for all New Jersey children and expand coverage for some parents, the first step in an attempt to bring universal health care to the state, began working its way thr...
Finding health coverage for young adults (Los Angeles Times)
16 May 2008 at 6:46pm
Americans aged 19 to 29 who are about to be dropped from their parents' insurance policies needn't go without. Elaine Farrell deals with insurance forms and rules every day at the dental office whe...
Insurance problems for Burmese (Video) (KVII 7 Amarillo)
16 May 2008 at 4:47pm
By Brian Wilkerson Posted: Thursday, May 08, 2008 at 6:22 p.m. Not having health insurance can be pretty scary. Especially if you have moved into a new country, and don't speak the native language.
Children's mental services assessed (Cape Cod Times)
17 May 2008 at 6:07am
For years, parents and child welfare advocates have complained about the quality of children's mental-health services. But the situation is improving, according to child advocates who met yesterday in...
K-12 health screenings to expand (Montgomery Advertiser)
16 May 2008 at 9:16am
Gov. Bob Riley announced a plan Thursday to expand free health screenings to more schools across the state in hopes that healthy students will be better learners.
Chinese child saved after 80 hours (The Courier Mail)
16 May 2008 at 7:58am
RESCUERS have pulled a child from the rubble of a collapsed school some 80 hours after China's devastating earthquake.
Silver Spring Gets A D.C. Safety Net (Washington Post)
15 May 2008 at 10:56am
For 20 years, Mary's Center for Maternal and Child Care has delivered health-care, education and social services to largely immigrant communities at its Adams Morgan clinic in Northwest Washington.

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Child Health Insurance Blogs

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Technorati Search for: Child Health Insurance
Technorati search for Child Health Insurance

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