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The Benefits of Affordable Temporary Health Insurance Plans

Every person faces medical problems time and again. These days, medical bills can be quite hefty. It is very important to always have medical insurance all the time because you never know when you’ll fall ill. If you do not make proper arrangements, either your savings may be wiped away, or worse, you may end up getting heavily indebted.

Sometimes people have to wait for some time before they can get institutional insurance coverage. Affordable temporary health insurance plans are available for a short period of time. They allow people to remain insured even during such periods. In such schemes, coverage is provided for periods ranging from one month to 12 months; but these days some policies offer coverage for a periods of up to 36 months. These affordable temporary health insurance plans are often required by people with temporary or part-time jobs and college students. They also provide coverage for people who can’t afford the policies provided under the Consolidated Omnibus Budget Reconciliation Act.

Anyone, from 15 days olds to 64 year olds can make use of these policies. Affordable temporary health insurance schemes provide coverage for a variety of illnesses and injuries. All kinds of health related expenses like hospital care, emergency services, medical tests, and medicines are covered by these policies. However, they do not provide coverage for pre-existing medical conditions or PAP tests, physical examinations, and immunizations.

The advantages of affordable temporary health insurance plans are as follows:

* You can choose any doctor you want anywhere in the US. For other policies you will have to go to the doctors and service providers that are preferred by the insurer.

* You can terminate your policy anytime you wish to without having to endure any major hassle.

* The premiums are usually quite low can be paid on a monthly or annual basis. The opportunity to select co-payment options that suit you the best may also be available.

* Applications are rapidly processed and in most cases you can avail the benefits in just a day.

Moreover, some insurers give 30-days guarantee period. If they are not able to satisfy their clients with their services during this period, they refund 100% of the premium. The only condition added to qualify for this refund policy is that the client should not have charged any claims.
Since these affordable short term health insurance plans have so many advantages, they are preferred by many people.

About Author
VitalOne offers affordable temporary health insurance which is quality health insurance plans you can depend on.

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