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Need Low-Cost Temporary Family Health Insurance?
By: Gerardas Norkus
Need Low-Cost Temporary Family Health Insurance?
By: Gerardas Norkus
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.
About the Author:
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.
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.
About the Author:
Gerardas Norkus is the owner ofhttp://www.ez-insure.com, an insurance website
with articles and consumer information on various insurance topics. (c)
Copyright 2005. All rights reserved. |
