What if I only need health insurance for one month? Consumer Q&A
Sometimes the small stuff is worth sweating. It may not seem like such a big deal to go without health insurance for a month or two. Maybe you’re between jobs, or waiting for a new insurance policy to kick in. What could possibly happen, right?
Well, a number of things could happen. Implausible as it may sound, you never know when you’re going to crash a hot air balloon into an electric power line. Or, less impressively, get pneumonia, or walk into oncoming traffic, or have an aneurysm, or…well, use your imagination.
Last week on Yahoo Answers we took a question from a young man with enough imagination to know that it’s never a good idea to go without coverage, even for a little while. He only wants health insurance to fill in a one-month gap. What’s his best option?
The eHealthInsurance reply was selected as the best answer:
If you only need coverage for one month, you might want to take a look into short-term health insurance. Short-term coverage is typically easy to qualify for, relatively affordable, and your coverage can kick in right away (or nearly so).
Short-term plans will not often cover things like preventive care, prescription drugs, or pre-existing medical conditions. However, it will provide you with a layer of protection against unexpected medical bills arising from injury or illness. It’s a good way to bridge a gap between two different standard health insurance plans.
Work with a licensed agent online or in your area to get quotes on short-term health insurance plans. It doesn’t cost anything extra to work with an agent and it can help you get a much better view of what’s available.
Image by Flickr user DorkyMum