What Is A Stop Gap Health Insurance Policy
When people think of health insurance, they think of traditional health insurance, with office visits, co-payments, and prescription drug coverage. However, such health insurance is sometimes unavailable. Perhaps you are shifting from one job to another, or maybe you are working part-time, or with a seasonal agency that does not have full health coverage, or you might be attending or just graduated from school. In these situations, traditional health insurance cover is sometimes not available. If you cannot afford traditional health insurance, but need some coverage in the event of an accident or emergency, then stop gap health insurance is your best alternative.
A health insurance gap can be bridged by a short term health cover policy, when traditional health cover is unavailable, because of some unexpected circumstances. The concept of stop gap health insurance is integrated with the name, it is a short term solution offering short term coverage, with the expectation that afterwards, you will begin or resume traditional health insurance coverage. It is designed for those who would like some coverage in the event of an accident or injury and only covers emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital treatment. Though policies vary, these are typically standard in stop gap health insurance coverage. However, short term health insurance does not cover regular doctors visits, nor do they cover current medical disorders. If you are looking for this sort of coverage, you need to consider getting a traditional health insurance policy or inquire about other choices.
The cost of getting stop gap health insurance cover varies from one company to another, you might have a monthly premium, ranging anywhere from $25 to $100, depending upon the plan's coverage and deductible, which typically begins at $250 and can go up to $5,000. Most policies these days also offer a reasonable pay out figure, which quite often is around one or two million dollars. Policies permit you to choose coverage for particular periods of time, from 30 to 180 days, but rarely any short-term policies will extend past one year.
How do you get stop gap health insurance? It is not as difficult as it may seem. An easy Internet search will give you several companies that offer short term health insurance policies. Searching online will also give you the opportunity to compare different companies and various plans. Just be sure to study each of the policies fully to understand your maximum pay-out as well as deductibles, coverage, and other stipulations of the agreement.
What Is A Stop Gap Health Insurance Policy
Perhaps you are switching from one job to another, or maybe you are employed part-time, or with a seasonal agency that does not offer full health coverage, or you might be attending or just graduated from school. In these situations, traditional health insurance cover is sometimes not available.
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