Having short-term health insurance means absolutely nothing if you do not understand what it is that you exactly have. There are tons of different types of health insurance that you can buy and sometimes you have no idea what exactly it is that they cover. You might be surprised by how little they cover, especially when it comes to travelers insurance, or the cost of COBRA insurance, which is a necessary evil you need if you lose your job unexpectedly.
COBRA is designed for those who have become unemployed without being prepared and gives you the kind of health insurance that you will need while looking for your next job, hopefully one that will provide you with the kind of health insurance that you need. COBRA can be extremely expensive even though it provides you with the same benefits that you had with the insurance that you had while you were working, but since your former employer won’t be paying anything, that cost goes to you and will take huge chunks out of your bank account
Temporary health insurance is another option for those who have become unemployed or who find themselves caught in a wait period before their new health insurance policy kicks in. Since these plans can be purchased for the short term they remain a low cost alternative but one that often only covers emergencies and serious illnesses and does not usually cover routine care.
Travelers insurance is usually something that people overlook, but it can be important. The thing is, travelers insurance typically covers only some countries. If you are traveling abroad, make sure you check with the insurance company you are dealing with to make sure it covers that country because you would be surprised how often your traveler’s insurance policy means absolutely nothing in certain countries.
The best thing to do is to simply call your insurance agent for answers. Most companies will tout their policies but you won’t know what is the best policy for you unless you can talk to someone who you can trust and has the answers.
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