What Temporary Health Insurance Covers

There are many reasons why you would need to get temporary health coverage. For example, you may not have a job or maybe in between jobs. It can take a few months to get health insurance when you start a new job and you may need to be covered until then. It is important to know how temporary health insurance works and what exactly is covered.

• Temporary health insurance covers you for a restricted amount of time. There is some temporary health insurance that covers you for a longer amount of time but it is usually one to six months. The purpose of temporary health insurance is to provide coverage for a limited amount of time.


• Temporary health coverage covers most of the same things that a regular health insurance company covers.


• Pre-existing medical conditions, illnesses and work-related injuries are not covered by basic temporary health insurance. These are all long-term conditions, so temporary health insurance will not provide coverage.


• Dental, optical and check-ups are not covered also. For these coverages, you can purchase an independent dental or optical plan.


• Emergency medical care, x-ray and lab tests, intensive and hospital needs, ambulance care, prescriptions and home health care are all covered under temporary health insurance plans.


• To get coverage, you first need to talk to an agent or go on the Internet and look for the best policy for you. Make sure that you always look at the paperwork and get all you questions answered before signing anything.