Are you between jobs and looking for interim health insurance coverage? Here's how to find cheap interim health insurance with a reliable company.
Interim Health Insurance Coverage
Interim health insurance provides you with health insurance coverage until you can get permanent coverage from your new employer. Coverage can be from one month to twelve months in duration, and most insurance companies allow you to extend your coverage if you need to.
Interim health insurance provides coverage similar to regular health insurance coverage. It covers your emergency medical care, hospital costs, prescription drugs, lab work, and X-rays. Coverage varies from one insurer to the next, so you should make sure you're getting the coverage you need before you purchase a policy.
Standard interim health insurance does not cover preventive care, routine care, dental care, optical care, or pre-exisitng medical conditions.
Interim Health Insurance Costs
Interim health insurance rates vary from $25 a month to $125 a month. Deductibles, the amount you must pay toward a claim before your insurer will pay, are higher than they are with regular health insurance. Co-insurance, the percentage of the total bill you pay after you pay the deductible, varies from 20% to 50%.
Cheap Interim Health Insurance
The easiest way to get the best price on interim health insurance is to go to an insurance comparison website where you can get rate quotes from a number of different companies. In order to get your quotes you'll need to fill out a short form with your insurance information and the amount of coverage you want.
To get the cheapest rate choose the highest deductible you can afford as you fill out the form. Once you get your quotes simply choose the cheapest quote that has the coverage you need.
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get interim health insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
by Brian Stevens