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)
Home Insurance Rates In Northern Ireland
A recent survey took the most popular type of home in the UK, the three-bed semi, and compared the quotes given by insurance companies for different postcodes around the country. Northern Ireland came in top for buildings cover with an average of £119.The premiums are affected by such variables as the amount of subsidence in the area, and the size and rebuild costs of the house. Some policies were based on the number of bedrooms in the house, but there is also the issue of the cost of rebuilding, which vary due to local construction standards, the cost of labour and the availability and cost of materials. When buildings and contents cover are assed together for a three-bed semi all over the UK, the cheapest average is in Lisnaskea in Northern Ireland, which has ...(related: Insurance)
Life Insurance Information
Life insurance is a personal insurance plan designed to pay out a sum of money on the death of the policyholder. Life Insurance is an insurance that is taken out against a persons life. It will pay out either a lump sum or monthly contributions to the "trustee" or next of kin in the event of the policy holder's death.Life insurance is, as the name implies, an insurance policy taken out on an individual's life. As with any other insurance policy, regular premiums are paid by the policyholder to the insurance company - and should the policyholder die, then the policy will pay...(related: Insurance)
Used Car Insurance
Every state requires that drivers carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property. Every state has mandatory minimum levels of coverage in this area. The rationale behind such laws is that at-fault drivers should be able to compensate victims who suffer accident-related losses. But the required minimums in most states don't even come close to covering the costs of a serio...(related: Insurance)