Need Low-cost Temporary Family Health Insurance?
Many families will find themselves without medical coverage at some point in their lives. So, what do you do if you find yourself in this situation? Here are some thing that you should consider when purchasing quality, low-cost temporary family health insurance.
Low-cost temporary family health insurance is available for those under 65 and who are in generally good health. It also usually covers dependants under 19, as well. Although these policies are only good for six months or so, you can reapply for coverage, as needed. Bear in mind, however, that any illness or condition that occurred during this temporary coverage will be treated as a pre-existing condition under the new policy.
Before you apply, however, there are some questions you should ask the salesman or representative. You need to be certain of the maximum policy benefit, for example, and you should make sure of the co-payment schedule. Many low-cost temporary family health insurance plans are PPO networks, so you need to find out if you are required to have a primary care physician. You should also ask the representative how pre-existing conditions will be treated under the plan. Some companies will not cover pre-existing diseases or conditions; some will do so, after a pre-determined period, like twenty-four months.
There are many good low-cost temporary family health insurance plans available and with a little patience and research, you will find the policy that is just right for your family.
Gerardas Norkus is the owner of http://www.ez-insure.com, an insurance website with articles and consumer information on various insurance topics.
(c) Copyright 2005. All rights reserved.
Publishing Guidelines: You may freely distribute or publish this article provided you publish the whole article and include the copyright notice and links in full. A courtesy copy is requested upon publication.
Consumer Directed Health Plans
Most of you have heard about "consumer directed health plans". The Bush administration has been a strong supporter of this concept as a way to get a handle on soaring healthcare costs. The recent inaugeration of Mr. Bush signals that consumer directed health plans will increasingly make up a larger percentage of group medical plans over the next several years. In the past, consumer directed plan designs have taken on many forms: Medical Savings Accounts (MSAs), Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs).Many experts consider HRAs and HSAs to be the first generation of viable consumer directed health care products. HRAs are typically pair...(related: Insurance)
What Price For Your Health?
How do you put a value good health? For many it is priceless. So how much are you prepared to pay to seek the best medical advice available?Private health insurance is one of those lifestyle choices all us of face.Do you go with the system and use the health safety net that the public health-care program provides to all Australians? Or seek the extra security and choice provided by private health insurance?About a third of all adult Australians have private health insurance with the industry worth $5 billion dollars a year.But that figure is likely to incre...(related: Insurance)
House Insurance - Forcible And Violent Entry
Forcible and violent entry (f&ve) is the terminology used within house insurance to describe break-ins.Most home insurance policies will cover you for theft claims made with no forcible and violent entry. That is to say that despite their being a theft there was no sign of break-in such as a broken window or door.Common claims follow doors or windows being left open or workmen stealing from the household.Often home insurance companies also restrict the level of non-f&ve cover available to residents of the home living away in temporary accommodation. The most typical example is students who are covered under their parents home insurance policies. Not having th...(related: Insurance)
Term Life Insurance Help
Life insurance can be a very scary thing. If you buy insurance when you're 30, but don't die until you're 90, chances are you're going to come out on the loosing end of insurance. ...(related: Insurance)
Hidden Ways To Cut Car Insurance
Consumers are countering rising gasoline prices and other vehicle operating costs by capitalizing on lower auto insurance rates, according to leading insurers.Auto policy costs and regulations vary significantly from state to state, but there are a number of areas that consumers are able to...(related: Insurance)
Saving On Auto Insurance: The Road To Reduction
The road to saving on auto insurance is something that every consumer travels at one time or another. And the quest is really not as difficult as it may appear. Saving on auto insurance can be a snap if you know the right places to look, and the best avenues to shop around.Here is a great way to save of auto insurance: driving safely. Driving with caution is one of the number one ways to keep those rates on the lower end. Insurance companies do not take too kindly to traffic tickets and auto accidents because they only increase their costs.Keep your credit in good standing. Some auto insurance companies will use your credit rating score in calculating your rates. So, if you’ve got a less than stellar credit rating, watch out! You may be dishing out more for your auto insurance than is ...(related: Insurance)
Medical Insurance Overseas
Thousands of people have work related commitments and in order to fulfill those commitments they have to travel abroad. Have you ever realized that most of the insurance company's provide only domestic medical coverage? So, whenever you are leaving your home country, do check up with your current Insurance Company whether they have Medical Insurance Overseas.The purpose of taking medical insurance is that you should be covered under all circumstances and to get the medical cover where it is required. So, "Do not postpone for tomorrow; there maybe law against it" and try to get the Medical Insurance Overseas benefits as soon as possible.Things like medicines, fees charged by the doctors, evacuation if required and all other hospitalization fees are incl...(related: Insurance)
Cheap Health Insurance - Health Insurance For The Self Employed
If you're self employed, you may think of health insurance as a luxury. When you're barely making ends meet, paying several hundred dollars a month for something you may not need isn't a priority. Or maybe you can't find a health insurance company to insure you because of a pre-existing condition. If you have no health insurance, you're banking on the hope that you won't get sick. But if you do, your business suffers.If you can't get individual health insurance, or if the premiums are out of reach for an individual policy, there are a number of ways to get cheap and discount health insurance and health care.Look Into State...(related: Insurance)