Why is temporary health insurance in Florida so important? With the high costs of medical treatments, going without FL health insurance is not a good option. However, many people are not aware that Florida temporary health insurance exists. Temporary health insurance in Florida is available if you find yourself without insurance and need a non-permanent and short term solution. In Florida, temporary health insurance plans are a realistic solution in times when full coverage plans are not available to you or your family.
When to Choose Florida Temporary Health Insurance
Florida temporary health insurance can be the answer for many different life situations. If you are between jobs, have been laid off, or have a job that is seasonal then this type of short term insurance can ensure that you won’t be left with a huge medical debt should medical help be needed. Temporary health insurance is also a logical choice for college graduates. Some college graduates find themselves ineligible for coverage under their parent’s health insurance, yet still looking for a job with health benefits. Temporary health insurance can help recent graduates in Florida get the short term coverage they need.
How Temporary Health Insurance in FL Works
Here is how temporary health insurance in Florida works. Coverage can be obtained on a monthly basis, typically for up to six months. A few companies will give temporary coverage for up to 12 months. You can choose to pay monthly or up front with a one time payment.
Monthly payments will generally cost more, but they are a good option if you don’t know how long you will need coverage. When on a month by month payment system, you can cancel anytime; however, payment will not be reimbursed if coverage is ended in the middle of a month.
A one time payment is ideal if you know the exact amount of time you will need coverage. For example, if you are waiting for coverage to begin with a job or are waiting for a specific enrollment date then this is a good option. You can get temporary Florida health insurance in this situation since you would know the specific date your long term coverage plan would begin.
What FL Temporary Health Insurance Covers
Temporary health insurance provides basic coverage. Because of this, the application process is much simpler with few health history questions. In many cases after applying, your coverage can start within 24 hours. This is contingent upon approval and a first month payment being made. So if you do lose your health insurance without notice, you can quickly apply and be approved for temporary coverage.
The purpose of temporary health insurance is to provide protection against accidents and illnesses. It is not comprehensive coverage. It typically does not cover wellness check-ups, vaccinations, vision care, dental or pre-existing conditions. Each state has different laws concerning what qualifies as a pre-existing condition. Typically, it is defined as a condition that has been diagnosed or treated in the past 3 to 5 years.
With temporary health insurance you will likely have a deductible for visits. These will still be considerably less than being left with an entire doctor or hospital bill should you find yourself without coverage. An individual plan can run anywhere from $25 to $100 or more per month.
The Crucial Role of Temp Florida Health Insurance
In some cases, the consequences of going without coverage can be devastating. If you are hurt in an accident or come down with an illness, you can be stuck with a large medical bill. Or, not having coverage could force you to decide not to go see a doctor for an ailment or sickness. This often results in long term health issues. Temporary health insurance ensures that you will have the coverage you need when you need it. You can have peace of mind.
Temporary health insurance is also a good option if you are looking for coverage for your children only. The same simple application process applies; however, you will need to apply individually for each child. This is because temporary coverage is not a group plan though some companies do provide a family plan. Keep in mind that temporary health insurance in Florida will only cover accidents and illnesses with children and not vaccines or yearly check-ups. But some coverage is better than no coverage at all.
Compare Temporary Florida Health Insurance Quotes
If you still have questions about whether or not temporary health insurance is right for you or your family, you can contact one of our independent agents who work with many different companies. These independent agents can help you select a plan that is right for you. You can also use our quote comparison tool found on this page which allows you to view quotes from all the top companies with no fee.
Knowing that temporary health insurance is available is the first step. In an unsure economic climate, this type of short term coverage can be exactly what you need to keep yourself covered or provide coverage for your family. Temporary health insurance may not cover everything, but it is better than having no insurance at all.
Use the free FL health quote comparison tool on this page to get quotes on temporary health insurance in Florida now!