Are You Qualified For A Stop Gap Health Insurance Policy



When people think of health insurance, they think of typical health insurance, with office visits, co-payments, and prescription drug coverage. However, this kind of health insurance is not always available. Perhaps you are changing from one job to another, or maybe you are working part-time, or with a seasonal office that does not have full health coverage, or you might be attending or just graduated from school. Under those circumstances, traditional health insurance cover may not be available. If you are unable to afford traditional health insurance, but want some coverage in the event of an accident or emergency, then stop gap health insurance is an ideal alternative.

A health insurance gap can be bridged by a short term health cover policy, when typical health cover is unavailable, in case of some unforeseen circumstances. The very definition of stop gap health insurance is integrated with the name, it is a short term solution offering short term coverage, with the expectation that afterwards, you will begin or resume traditional health insurance coverage. It is designed for those who desire some coverage in case of an accident or injury and only covers emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a specific amount of hospital treatment. Though policies vary, these are typically standard in stop gap health insurance coverage. However, short term health insurance does not cover regular doctors visits, nor do they include current medical conditions. If you are looking for this sort of coverage, you ought to consider getting a typical health insurance policy or inquire about other options.

The cost of getting stop gap health insurance cover differs from company to company, you might have a monthly premium, ranging anywhere between $25 to $100, depending upon the plan's coverage and deductible, which typically begins at $250 and can go up to $5,000. Most policies now also offer a reasonable pay out figure, which is usually about one or two million dollars. Policies allow you to choose coverage for definite periods of time, from 30 to 180 days, but rarely any short-term policies will extend past one year.

How do you obtain stop gap health insurance? It is not as difficult as it sounds. A simple Internet search will return several companies that offer short term health insurance policies. Doing an on line search will also give you the opportunity to compare various companies and different plans. Just be sure to look into each of the policies diligently to comprehend your maximum pay-out as well as deductibles, coverage, and other stipulations of the agreement.

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