When you are sick, it’s imperative that you have the access to the medical care you need. Although there are many new and exciting changes going on in the insurance industry, you may not always have access to your own, permanent health insurance plan. The following are a few reasons why you may want to consider getting temporary health insurance to fill in coverage gaps you may experience.
You’ve Waited Too Late to Get Coverage
If you are simply late to sign up, then you may not qualify for an extension. Barring any special life events, you have to wait for open enrollment or get temporary health insurance. Normally, temporary health insurance gives you limited coverage, but enough so that you aren’t footing your medical bills alone.
You Need Health Insurance as Soon as Possible
In most cases, short-term health insurance isn’t a complete solution to your healthcare needs. However, when you need health insurance, then temporary coverage can provide the necessary support. Many insurance companies can provide you with coverage for a time period of 30 days, or up to 11 months. During this time, it’s important to ask your provider what services they cover prior to seeking treatment.
You Need to See a Medical Professional Outside of Your Network
Many insurance companies allow their customers to pay reduced rates for in-network coverage. Although this is a great way to keep costs low, it’s not always a good solution for individuals who need to see a specialist outside of their network. Instead of paying higher fees, you can purchase temporary insurance to help you cover some of the costs.
Your Employer-Sponsored Group Health Insurance Hasn’t Started
If you’ve recently started a new job, congratulations are in order. Getting a job is something everyone can stand behind. Unfortunately, with all the changes with health insurance, many employers are requiring their employees to wait for health insurance. So, what do you do while you wait for your health insurance to take effect? Temporary health insurance is a great option for individuals who do not have coverage. If you are in an accident, temporary health insurance can help cover the costs.
We’ll help you find the right coverage. Call First Independent - Descamps Insurance Agency at (888) 513-8784 for more information on Sterling Heights health insurance.
Have you been in a situation where short-term health insurance became necessary? Feel free to share your own experience below in the comments section.