Home

small_business_health_insurance Directory


More
small_business_health_insurance Articles

WRITERS WANTED! (click-me)

Feature Article:

Health Insurance Coverage
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40...

Beat Your Competition By Controlling The Cost Of Your Health Insurance
As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personally and professionally. Employers continue to face the major challenge of controlling the cost of their health insurance and other...

homeincome.com

Help! I Lost My Health Insurance!

homeincome.com       Navigation

It can literally be one of the scariest places to find yourself - without health insurance coverage. When a simple trip to the emergency room can lead to thousands of dollars in charges, the last thing you need is to not have health insurance. But what options do you have? Graduating from college can be a true rite of passage into adulthood, because this is the time when most health insurance plans drop you from your parents' plan. Even landing a job right after graduation can still mean that you will have to go through a grace period before the company's health insurance kicks in. And if you have left a job for greener pastures, well...don't get sick or injured!

But do I even have options?

Well you probably do have options for health insurance coverage, but they may not be ideal. If you have quit your job, then you will have the option of extending your health insurance benefits for up to 18 months - thanks to COBRA. The only catch is that you will have to pay for those benefits out of your own pocket. Not exactly an easy thing to do without that paycheck rolling in every week.

Is that it? Is that my only hope?

Before you panic, just relax. The solution is short-term health insurance. As the name implies, this solution offers you health insurance options for a limited period of time. Most short-term health insurance benefits are available for 30 to 180 days. Depending on where you live, you may be able to obtain these benefits for up to a year.

And short term health insurance is the same as what I had at work?

Well, if you mean that you have coverage in the event of a hospital visit or sudden illness, then yes. You also can pick your own doctors and hospitals, which is actually an advantage over some health insurance plans offered by employers. But there are definitely coverage limitations on short-term health insurance plans.

So what am I not covered for?

That really is the million dollar question, isn't it? Well, routine medical exams are not covered by a short term health insurance policy. Any kind of preventative care is also out the window with this type of coverage. Plus, you can forget about dental and optical coverage with short-term health insurance. For obvious reasons, this sort of health insurance also does not cover medical costs relating to a pregnancy nor, anything having to do with the childbirth itself.

No offense, by why should I bother with short term health insurance?

Because a simple trip to the emergency room can cost thousands of dollars, and any emergency procedure and hospital stay can cost tens of thousands of dollars. Hey, short- term health insurance is not supposed to be the long-term solution. It is just a way to make sure you are covered while you are not on any employer's health insurance plan. And it can help you avoid going into serious debt, should something happen to you when you are not otherwise covered on a health insurance plan. For that reason alone, it is definitely worth the expense.

About the author:

Albert Medinas has developed and maintains the website Health Insurance Resources, which answers the most common questions people have about Health Insurance. Please visit us at http://www.healthinsuranceresources.ws today.

homeincome.com

More Reading:


New Health Insurance Policy Understand what you are paying for

Health Insurance for the Self Employed

How To Get Fit And Slash Your Health Insurance Costs

Insurance For The Self Employed And Those Seeking Health Insurance

The Real Cost of Health Insurance

 
Affordable Health Insurance

Choosing a Health Insurance Quote The Best Bang for your Buck

Low Cost Health Insurance Oxymoron

Individual Health Insurance Plans

Is Pet Health Insurance an Option

small_business_health_insurance Home

small_business_health_insurance Directory

Additional Reading


Student Health Insurance
Health insurance is increasingly important. With the rate at which medical expenses have continued to rise over previous years, and the reductions in government funded health care programs, being without health insurance is less an option...

HOW DOES HEALTH INSURANCE REDUCE RISK?
Health Insurance seems like a simple exchange. You pay an insurance company a premium and insurance pays your bills. You get rid of risk and the insurance company takes your risk. However, there is more to it that this. What does the insurance...

Tales from the Corporate Frontlines: The Worth of Health Insurance
This article relates to the Compensation and Benefits Competency, commonly evaluated in employee satisfaction surveys. The questions included in this competency will help your organization determine whether your employees feel they are fairly paid...



 

 

Internet Search for: health, insurance, not, small_business_health_insurance

[an error occurred while processing this directive]

 

Copyright    homeincome.com