Health Insurance Lead Atlanta Georgia GA
Reader’s Question:
I just graduated from college and have moved out on my own and that’s the good part. My new employer’s group health insurance plan won’t kick in until I have been with the company for three months. What are my options to get health insurance coverage?
Mindy
Atlanta, GA
I strongly suggest you opt for short term health insurance. As its name implies, short-term health insurance would offer 30 to 180 days coverage, although there are some plans that will cover you initially for up to 12 months. If your short-term need runs longer than the health insurance pan’s coverage, you may be able to renew the plan. However, it is best that you do not count on anything beyond 1 year.
Most short-term health insurance plans will give you coverage in the event of an accident or sudden illness. As with almost any health insurance plan, short-term plans may have benefit limits. You will be required to cover an initial deductible and to make co-payments. You might also be allowed to pick your own hospitals, doctors, or other health-care providers affiliated with your policy. You will also get coverage for inpatient and outpatient services, intensive care unit and board charges, hospital room, lab examinations, and X rays. These health insurance plans rarely require a physical exam for new coverage applications. Expect your coverage to begin as soon as you receive your application and first premium payment. Applications may either be mailed in or submitted through the internet. Payments may be made either by check or credit card.
Tags: short term health insurance, health insurance plan, health insurance lead
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