Interim health insurance is designed to cover you between permanent health insurance plans. For example if you turn eighteen and are no longer covered under your parents health insurance plan then you may want to purchase interim health insurance until you are hired by a company where health 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 a few months before you are covered under the company’s health insurance, then interim health insurance is ideal for you Health Insurance Agency .
Interim health insurance can be bought for one month or for up to twelve months while you are waiting for your alternate health insurance to kick in. However, most interim insurance companies have a limit of six months and you cannot simply continue your interim insurance but must re-apply with the company. Interim insurance companies are aware of the uncertainty surrounding finding new permanent insurance and are usually well equipped to deal with returnees or extensions beyond the initial date of expiry that do not exceed one year and reapplying with an interim health insurance agency is usually 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 doesn’t cover a lot of things that are covered with permanent health insurance like check ups, dental and eye care. Interim health insurance will usually include emergency care, ambulance expenses, x-ray and laboratory services, and prescription drugs. It can also be extended to cover spouses and children or other dependents.
It is useful for those ‘just in case’ periods where your life is up in the air, there is still a degree of certainty in the knowledge that you will 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 insurance in between permanent plans as that break in coverage may be just the time when tragedy strikes and most insurance companies nowadays will not pay for treatment of preexisting conditions.