Individual Health Insurance
Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.  Health insurance can be purchased for either a limited or indefinite period of time depending on your individual needs and circumstances.  Before purchasing either policy, make sure you understand the differences and how that might impact your future needs.   

Standard, long-term coverage
Most people select this form of coverage. This type of coverage is renewable for multiple years and can provide continuous claims coverage over a long period of time. Most plans of this type cover both major medical expenses (e.g., hospitalization and surgeries) and routine medical expenses (e.g., office visits and annual exams), subject to deductibles and co-payments or co-insurance.

Short-term, up to 12 months temporary coverage
Short-term health insurance is a temporary health insurance plan (typically 1 to 12 months) and should NOT be used as a substitute for standard, long-term health insurance.

If you are:

     Between jobs
     Waiting for coverage from another health plan to start
     Laid off
     On strike
     A recent college graduate
     A seasonal employee

then short-term health insurance may be right for you.

BUT, keep in mind the following:
.Short-term medical plans are intended as interim or "gap" coverage, i.e., for people who know, with certainty, that they will have standard, long-term coverage (or coverage through an employer) at a future date. 

.Short-term plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, dental or eye care, or immunizations. 

.Short-term plans are exempt from HIPAA legislation. This means that when issuing a Short-term medical policy, insurance carriers do not have to: guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals. 

.Most importantly, short-term medical plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time.

IF YOU ARE UNSURE THAT YOU WILL HAVE STANDARD, LONG-TERM HEALTH INSURANCE (OR INSURANCE THROUGH AN EMPLOYER) WITHIN 12 MONTHS, WE STRONGLY RECOMMEND THAT YOU CONSIDER PLANS FOR STANDARD, LONG-TERM HEALTH COVERAGE NOW, BEFORE THERE IS AN ADVERSE CHANGE IN YOUR HEALTH CONDITION.

For an instant online health insurance quote for you or your family CLICK HERE.