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What Is A Stop Gap Health Insurance Policy
When people think of health insurance, they think of regular health insurance, that covers accidental injury, doctors visits and emergency hospitalization. However, this kind of health insurance is sometimes unavailable. Perhaps you are shifting from one job to another, or maybe you are hired part-time, or with a seasonal company that does not offer full health coverage, or you might be attending or just graduated from school. Under these conditions, the usual health insurance cover may not be available. If you cannot afford traditional health insurance, but need some coverage in the event of an accident or emergency, then stop gap health insurance is the most suitable solution.
A health insurance gap can be bridged by a short term health cover policy, when conventional health cover does not, in case of some unexpected circumstances. The concept of stop gap health insurance is incorporated into the name, it is a short term answer offering short term coverage, with the expectation that at some point, you will begin or continue traditional health insurance coverage. It is created for those who desire 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 specific amount of hospital treatment. Though policies differ, these are often standard in stop gap health insurance coverage. However, short term health insurance does not cover routine medical check-ups, nor do they cover current medical disorders. If you are looking for this sort of coverage, you need to consider having a conventional health insurance policy or look into other options.
The expense of having stop gap health insurance cover varies from one company to another, you might have a monthly premium, ranging anywhere between $25 to $100, depending upon the plan's coverage and deductible, which usually starts at $250 and can increase to $5,000. Most policies in these times also offer a generous pay out figure, which is usually about one or two million dollars. Policies permit you to choose coverage for particular periods of time, from one to six months, but almost no short-term policies will extend past one year.
How do you acquire stop gap health insurance? It is not as hard as it may seem. An easy Internet search will give you various companies that provide short term health insurance coverage. Performing an online search will also give you the chance to compare different companies and various plans. Just be sure to study each of the policies diligently to know your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.
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