Short Term Health Insurance

Temporary health insurance is a low-cost option for your temporary health insurance needs, designed for specific situations such as a period of unemployment or other temporary lapse in health insurance coverage. If you are in-between jobs, a recent college graduate looking for a job, a temporary or seasonal employee, waiting for your employer to offer a group insurance plan, or an early retiree trying to fill the gap before your Medicare benefits kick-in, short term insurance may fit your health coverage needs.

Temporary health insurance plans will generally cover you for 1 to 12 months and in some instances up to 24 months. You can normally extend coverage to your entire family as well, for an additional fee.

What is Covered in a Temporary Health Plan?

With this type of plan, you get coverage for emergency events - unexpected illnesses and accidents - including hospital care, though pre-existing medical conditions and routine doctor visits are not covered. In general, these policies are limited, since they are temporary, but they cover the highest risks. So you should study your temporary health insurance plan information carefully to know for sure what your coverage is.

What Are The Advantages ?

• Temporary Insurance gives you peace of mind that your insurance coverage does not stop
• It is low-cost protection that covers the high cost of medical emergencies that may be financially risky if you are unemployed.
• You can get coverage as early as the next day once you answer just a few simple questions about your health
• Temporary Insurance is a low cost alternative to a COBRA, which allows you to continue your coverage from a group plan for 18 months after leaving the group, but you have to pay the full cost of the plan, as your employer no longer pays his portion.

We have a short and quick application process and only a few questions need to be answered. You can pay monthly, quarterly, semi-annually or pay for the entire policy…it’s that simple.

Give me a call at (843) 297-8162, email me, send a fax with your personal census data, or submit an online request yourself by visiting the Forbes Insurance Agency website: www.dforbesinsuranceagency.com and review your own quotes from the comfort of your home or office.

You have many great choices. The insurance providers, such as Blue Cross Blue Shield of SC, Carolina Care Plan, Celtic, Assurant, Aetna, Humana, United Health Care all offer great short term insurance products. Although there are many features to consider, the one thing that is unique to all plans is the simplicity of the application process.