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)
Motor Vehicle Accident Insurance Claim Guide
This is a FREE Insurance Claim GuideYour "Motor Vehicle" can be a truck, car, motorcycle - - you name it! If it's powered by a motor and has one, two, three, four (or even more) wheels this "Guide" is for you.The information below is a bare-bones "Guide" for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.AFTER IMPACT CHECKLISTWe heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A "Guide" to refer to so you'll be certain, should an accident take place, that you've covered everything.Other than the fact that one must obta...(related: Insurance)
Health Savings Account (hsa): Helpful For Older People?
The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier.But do HSAs work just as well for older Americans? The answer depends on your age.Let's start with someone older than 65. Once you turn 65, you are eligible ...(related: Insurance)
Senior Health Care Insurance
Health Insurance For Seniors On The NetWhen a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet.He reported back to me about a week later, in desperation: "I am giving up, I am too confused." He had taken on an overwhelming project with his widowed mother, living in another state. As the only child, and following the sudden death of his father, it was his responsibility to care for his mother.In this world of technology, the family unit is often living in different geographical areas and the family members are usually quite involved with their own lives, careers, and families. In addition, when both p...(related: Insurance)
site-map - Copyright © 2006 Insurance | All Rights Reserved. | Insurance