Who Is Qualified For A Stop Gap Health Insurance Policy

When people think of health insurance, they think of typical health insurance, that covers accidental injury, doctors visits and emergency hospitalization. However, such health insurance is sometimes unavailable. Perhaps you are changing from one job to another, or maybe you are working part-time, or with a seasonal agency that does not offer full health coverage, or you might be attending or just graduated from school. Under those circumstances, the usual health insurance cover is sometimes not available. If you cannot afford traditional health insurance, but want some coverage in the event of an accident or emergency, then stop gap health insurance is your best solution.

A health insurance gap can be bridged by a short term health cover policy, when typical health cover does not, because of some unexpected 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 at some point, you will begin or continue traditional health insurance coverage. It is created for those who would like some coverage in the event 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 often standard in stop gap health insurance coverage. However, short term health insurance does not cover routine medical check-ups, nor do they cover current medical disorders. If you are looking for this sort of coverage, you ought to consider getting a traditional health insurance policy or look into other options.

The expense of having stop gap health insurance cover varies from one company to another, 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 increase to $5,000. Most policies now also offer a generous pay out figure, which quite often is around one or two million dollars. Policies permit you to choose coverage for definite periods of time, from 30 to 180 days, but almost no short-term policies will extend past one year.

How do you obtain stop gap health insurance? It is not as hard as it may seem. An easy Internet search will return several companies that offer short term health insurance coverage. Doing an on line search will also give you the chance to compare different companies and various plans. Just be sure to look into each of the policies diligently to understand your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.

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