When people speak of health insurance, they think of traditional health insurance, with office visits, co-payments, and prescription drug coverage. However, such health insurance is occasionally unavailable. Perhaps you are switching from one job to another, or maybe you are employed part-time, or with a seasonal agency that does not provide full health coverage, or you may be attending or just graduated from school. In these situations, traditional health insurance cover is sometimes not available. If you are ineligible for traditional health insurance, but would like some coverage in the case of an accident or emergency, then stop gap health insurance is your best alternative.
A health insurance gap can be covered by a short term health cover policy, when traditional health cover is unavailable, because of some unanticipated circumstances. The idea of stop gap health insurance is built into the name, it is a short term solution offering short term coverage, with the expectation that eventually, you will have 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 care. Though policies vary, these are usually standard in stop gap health insurance coverage. However, short term health insurance does not include regular doctors visits, nor do they cover current ailments. If you are looking for this sort of coverage, you should consider obtaining a traditional health insurance policy or inquire about other solutions.
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 often begins at $250 and can go up to $5,000. Many 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 specific lengths of time, from 30 to 180 days, but rarely any short-term policies will exceed one year.
How do you get stop gap health insurance? It is not as difficult as it may seem. An easy Internet search will yield a number of companies that offer short term health insurance plans. Searching the web will also give you the opportunity to compare different companies and various plans. Just be sure to research each of the policies carefully to understand your maximum pay-out as well as deductibles, coverage, and other stipulations of the contract.
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