Interim Medical Insurance Fills A Necessary Void!

Interim health care insurance is designed to cover you between permanent health care insurance programs. For example if you turn eighteen and are no longer covered under your parents health care insurance program then you may want to buy interim health care insurance until you are hired by a company where health care insurance is included. Or perhaps you have just left a job and while no longer covered under your old insurance you are searching for a new job or the new company you are working for requires that you work there several months before you are covered under the company’s health care insurance, then interim health care insurance is ideal for you.

Interim health care insurance can be bought for one month or for up to twelve months while you are waiting for your alternate health care insurance to kick in. Nonetheless, most interim  insurance carriers have a limit of six months and you cannot  continue your interim insurance but must re-apply with the company. Interim  insurance carriers are aware of the uncertainty surrounding locating new permanent insurance and are generally well equipped to deal with returnees or extensions beyond the initial date of expiry that do not exceed one year and reenrolling with an interim health care insurance agency is generally swift.

It is quite affordable, premiums can go as low as $25 a month and most do not reach above $100. This may make interim insurance more attractive than permanent insurance but interim insurance does not  cover many things that are covered with permanent health care insurance like check ups, dental and eye care. Interim health care insurance will generally include emergency care, ambulance expenses, x-ray and laboratory services, and prescription drugs. It can also be extended to cover spouses and kids or other dependents.

It is useful for those ‘just in case’ periods where your life is up in the air, there’s still a degree of certainty in the knowledge that you’ll be cared for if you have a sudden accident. You wouldn’t want to run to the grocery store in a rain storm with an umbrella that suddenly broke halfway there and then worked again right before you got there, in the same way you wouldn’t want to be covered and then not covered by health care insurance in between permanent programs as that break in coverage may be just the time when tragedy strikes and most  insurance carriers nowadays won’t pay for treatment of preexisting conditions.