Buying temporary health insurance is a good idea if you cannot afford long term insurance at this time. Consider the following points before investing in a health insurance plan.
- These policies do not cover pre existing illnesses. They also do not cover for routine care. They are mainly for dealing with a sudden health crisis.
- It is not to be a substitute for a long term health plan. Supplemented health plans usually cover periods between 6 to 12 months. You may extend some policies after a year but your premiums might go up.
- It is important to know that certain short term policies might make you not eligible for a longer plan. Gather information and do not let anyone talk you into such a plan.
- Always check out the plans and the company to avoid ‘fakes’. It is better to go for a well known concern with costlier plans than a dubious one with ‘cheaper alternatives’. If in doubt, contact your state insurance commissioner’s office.
- It is always better to be prepared with a health insurance plan before a crisis strikes. That way, you have the time to explore options.