Florida Temporary Health Insurance
If you have just lost your job you can get temporary health insurance in Florida. People who are just starting a new job and the health insurance that their employer provides does not kick for some time, can get temporary health insurance in Florida too. Temporary insurance is conveniently available for everyone under the age of 65 who lives in this state. Dependent children are also eligible for temporary health insurance in Florida. A dependent child is one who is under the age of 23 and going to school on a full time basis. The coverage can start as soon as the child is 15 days old if a new family member is born. The dependent child going to school must not be married.
It is fairly easy to locate a temporary health insurance plan. Before you purchase your short term health insurance policy though, there are a few things you should know about it first. To get the best policy you should determine how long you will need the temporary insurance. This kind of insurance is only cost effective if you buy it for the short term. It is best to get a regular health insurance policy if you think you will need it for more than a year or two. People usually buy temporary health insurance for a time period of anywhere from one month to a year. However, up to a three year period is also considered temporary health insurance in Florida.
Temporary health insurance coverage can start almost immediately. Usually it goes into effect within 24 hours of buying the policy. Just like any other kind of insurance policy, it is best to shop around for the best rates. You can get a number of quotes from different companies and compare their prices. A three year period gives you plenty of time to find a job with health benefits so this is a good option for those who are unemployed, under employed, just getting out of school and looking for work, etc.
When you shop for temporary health insurance in Florida you should also compare the coverage amounts, exclusions, limitations, deductibles, drug co-pays and any other out of the pocket expenses in the policies. If you have a pre-existing condition you should be prepared to recognize it can excluded from the policy as well. When you fill out the application you will be asked about pre-existing conditions and other health related questions before you can be approved.
Temporary insurance will cover a variety of medical needs. For example, it will usually cover medical services provided by doctors, nurses, hospitals, anesthetists, etc. If you have to take prescription medication temporary health insurance will cover these costs on limited bases. There may be a co-pay for prescriptions and doctor visits. It is good for lab tests and x-rays. Emergency room expenses, physiotherapy, medical equipment like braces or crutches are also covered. Temporary health insurance in Florida will even cover cancer treatments. You can get up to $2 million in coverage for your medical expenses with a temporary health insurance plan. The various insurance companies allow you to choose your deductible amount, usually between $25 up to $5000. Your deductible amount will affect the premiums. The higher the deductible, the easier the monthly payments are. You will also be able to choose your own doctor and go to any hospital that you want as well.
You can go online and buy your health insurance coverage in Florida or you can use an independent insurance agent. An independent agent will have access to all the different policies that are available to you. Going through an agent will help you get the best coverage for your health situation at the most affordable rates.