Temporary Health Insurance Coverage

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More About Temporary Health Insurance?

Ideal protection for persons:

• Employed part-time or temporarily
• Between jobs, laid off, on strike
• Attending school or recently graduated
• Waiting for permanent health insurance to begin
• Temporarily without health insurance for most any reason

The temporary health insurance plans we offer are not an HMO or PPO plan. In the event of a sickness or injury, an insured person may receive treatment from any licensed healthcare provider or facility anywhere in the U.S.

Important Information About Temporary Health insurance

Temporary health insurance is a short term health insurance plan (typically 1 to 6 months) and should NOT be used as a substitute for standard, long-term health insurance.

• Temporary health insurance plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date.
• Temporary plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations.
• Temporary plans are exempt from HIPAA legislation. This means that when issuing a short term health insurance policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals.
• Most importantly, temporary health insurance plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.