SHORT TERM INSURANCE

When shopping for short term health insurance policies

, there are four simple methods that an individual should consider. These methods involve checking with your state's insurance commission to receive a list of approved insurance providers for your state. Another method involves contacting companies that you know are offering insurance in your state directly. The next method is to research your needs through the web or through any legitimate insurance agency or insurance quote website. Lastly, you should also check with your existing insurance agent to see if they work for any companies that may provide short term health insurance.

Once an individual finds the appropriate agency or health insurance carrier, it is important to learn about what the carrier's short term policy provides.

One of the most important elements to look for in a short term plan is coverage between jobs. This is one of the ideal reasons why most short term insurance carriers choose temporary health insurance. The state of today's economy has left thousands of people jobless. Which factors into a recent unemployment rate of 9.50 percent as of July 2010. With this in mind, short term insurance is the way to go for individuals that are unemployed or between jobs.

There are instances of people that are jobless but are covered for health insurance under the COBRA law which legally entitles an individual to continue their health coverage under the employers group plan which must cover at least twenty people. However, those individuals that aren't as lucky to continue their health coverage after being laid off, find that short term health insurance is a helpful option.

Another thing to look for when shopping for short term health insurance are the services. There are many different types of short term insurance plans. Some of these policies are fee for service plans. Other short term policies have managed care plans which are either HMO or PPO's. With the fee for service plan, the fees are a little higher but the an individual has more flexibility to choose a provider than the HMO or PPO plan.

Short term health insurance plans serve as an alternative for a number of individuals that are in unique situations. Like standard health insurance, it's important that this alternative plan is evaluated before buying. Short term policies come with many different types of services, just like a standard health plan. It's important to look for the basic elements. Elements such as coverage between jobs, PPO,HMO or fee for services are some of the most important items to examine. Although temporary insurance is an alternative to standard health insurance, it is important to shop and examine temporary health policies with the same outlook or perspective for researching standard health care plans. Short term insurance might not be identical to standard health plans but it benefits so many individuals in a lot of different and respective ways. It's also very easy to look for temporary health insurance, Most individuals look through the current provider or simply through the web.

For more information visit www.americashealthbrokers.com

SHORT TERM INSURANCE

By: Rahel

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