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Question

Asked: Apr 23, 2010

Temporary Health Insurance Recommendation While Seeking New Employment…

Can you recommend a temporary health insurance while I look for a job when I move to a different state?

Categories: In Oregon
Plan Types: In Temporary Coverage

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Answers

You may opt to get a short-term plan as temporary health insurance until you get a job. It usually does not cover pre-eisting conditions, doctor's visits, and prescription medicines before the deductible. These short-term plans normally cover only unepected major medical or health need such as accidents or injury. You may need to look for an agent in your new location if they can find you a temporary health insurance that offers a premium you can afford. Your other option may have to be COBRA. If you have a group plan in your present employment, you may want to keep COBRA as temporary health insurance. COBRA coverage normally lasts up to 18 months. It is a good option especially if that family member has a pre-eisting condition who may need medical assistance. However, even if you are still in your previous employer's group health plan, you will most likely have to pay the premium. Generally, the premium is around $400 a month for single individuals and $800 for a family. Or it may be 102% of the amount that you and your company have been paying. But, even if COBRA is strongly recommended other than a temporary health insurance, problems may still arise as you are moving to a different state. Health insurance coverage may vary depending on the laws governing each state. You may also find it difficult to find an in-network healthcare provider covered in COBRA to your new location. Answer by InsBlogger1- June 3, 2009 @ 6:55 pm

Answered: Apr 29, 2010


The risk you run into with temporary is you do not have an "end date". In other words you may find a job - or you may not.

Short term is great for NEW ISSUES that arrise, but NEVER covers ANYTHING pre existing unless required by state law (almost never...).

Short term is cheap but you do run a risk on your future insurability as well. You might be better off with a regular month to month plan that MAY cover some pre existing issues and is more "open ended" should you need it longer.

Good luck!

Source: http://www.goquoteme.com

Answered: Jul 26, 2010

 

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