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.