The Ups and Downs of Temporary Health Insurance

If you're a recent college graduate, or in between jobs, temporary health insurance may be just what you are looking for. As the name suggests, this short term health plan covers from one month up to a full year. And with a very inexpensive price tag, most consumers are thrilled to have finally found a viable health care option. While there are benefits with temporary health insurance, there are a few negative aspects as well.

The temporary health insurance plan in essence, has been developed to secure your security and well-being. Short term plans are not designed for everyday health care; temporary health insurance policies are more of low-cost alternative to the full benefit plans, and were meant as sort of a ÒcrutchÓ in case of serious injury or sudden illness. Although some plans do supply coverage up to a full year, most only offer coverage between one to six months.

A big advantage of the temporary health insurance plan is that you have no preferred care provider. What does this mean? You have the option to go to any doctor you choose. Short term plans also offer fairly extensive therapies and regimens. Some of the services offered are: Hospital care, prescription drugs, follow-up doctor visits, and emergency care.

However, there are numerous fields that are not covered by temporary health insurance. Maternity treatment and care is rarely covered, and doctors visits are seldom included. Preventative care, such as physical screenings and immunizations are also excluded. In addition, pre-existing conditions are not part of short term insurance coverage.

A significant plus for most when researching temporary health insurance has be the extremely low premiums. Also, many plans will let you pay your premiums month to month, or pay annually. However, with the low premiums come higher deductibles. While you may be saving money with the premiums, you could be spending just as much with the deductibles.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount health insurance, auto, life and home insurance that you can research in your pajamas on his website.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.appeal-democrat.com/news/flood_71448___article.html/insurance_county.htmlcid=1273518611ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNFfynpdUdBI9Uu09xtKeGyncgvaTQFlood binsurance/b deadline looming/abrfont size=-1font color=#6f6f6fAppeal-Democrat,nbsp;CAnbsp;-/font nobr36 minutes ago/nobr/fontbrfont size=-1By John Dickey/Appeal-Democrat Some Sutter County residents could be hit with a bill for flood binsurance/b next month that could top $2000 a year. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Meadowbrook-Insurance-Group-Inc-CEO/story.aspx%3Fguid%3D%257BC7A18FD0-FF97-4AA9-92AE-D946FF2A5FC8%257Dcid=1272910679ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNFnT1flb4BC-NOBF8_al-TcctldFgMeadowbrook bInsurance/b Group, Inc. CEO to Present at FBR Capital b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1Mr. Cubbin#39;s presentation to the conference will be available December 3, 2008, on Meadowbrook bInsurance/b Group#39;s corporate web site at www.meadowbrook.com. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Specialty-Underwriters-Alliance-Present-2008/story.aspx%3Fguid%3D%257B83016D10-73A2-4AB4-884F-EDF53AC53AD9%257Dcid=1272910679ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNFWocaGrUh-hA1y9jmFjgocEEkw-ASpecialty Underwriters#39; Alliance to Present at 2008 FBR Capital b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272910679hl=ennobrall 36 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.masslive.com/news/index.ssf/2008/11/massmutual_promotes_pair_in_su.htmlcid=1272940630ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNES7iUerGW9XZnj_2XeFlp16wGelQimg src=http://news.google.com/news?imgefp=HdAjaJYgZnQJimgurl=blog.masslive.com/breakingnews/2008/11/medium_112108photo05.jpg width=59 height=80 alt= border=1brfont size=-2The Republican - MassLive.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/MassMutual-Announces-Promotions-Two-Co/story.aspx%3Fguid%3D%257BABFD6B7E-54B4-444B-8316-A207BA426411%257Dcid=1272940630ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNEuLMNPrSqsMhIER4rKyU-UhV_lzQMassMutual Announces Promotions for Two Co-Chief Operating Officers/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1William F. Glavin Jr., Co-Chief Operating Officer and Executive Vice President, US bInsurance/b Group, MassMutual, has been appointed CEO of OppenheimerFunds, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/boston/stories/2008/11/17/daily68.htmlcid=1272940630ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNEaK_Wk8ZeLKQyaRZ6H0l5XO802kwMassMutual Life promotes COOs/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.pionline.com/apps/pbcs.dll/article%3FAID%3D/20081121/DAILY/811219977cid=1272940630ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNGtLWG6q60QViirWUHiN0AfYLuwAQShake-up at OppenheimerFunds, MassMutual/a font size=-1 color=#6f6f6fnobrPensions Investments/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.masslive.com/news/index.ssf/2008/11/massmutual_promotes_pair_in_su.htmlcid=1272940630ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNES7iUerGW9XZnj_2XeFlp16wGelQMassMutual promotes pair in succession plan/a font size=-1 color=#6f6f6fnobrThe Republican - MassLive.com/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.investmentnews.com/apps/pbcs.dll/article%3FAID%3D/20081121/REG/811219987/1029/INSURANCEcid=1272940630ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNH4Bxnfi_nWRoK0kGLfj7xInHTqXAnobrInvestmentNews/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/William-F-Glavin-Jr-Named/story.aspx%3Fguid%3D%257B090CCDCB-1458-4EFB-8D79-FE52BC64B910%257Dcid=1272940630ei=bDApSfTeJo2A7QOamvH9CQusg=AFQjCNEoHmjWG8CYki_A_6XnYal0AkOl3QnobrMarketWatch/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272940630hl=ennobrall 45 news articles/nobr/a/font/div/font/td/tr/table
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