Temporary Health Insurance

It’s a fact of life: accidents happen — often when you least expect it. And seemingly small medical problems can quickly turn into full-blown illnesses if they go untreated. If you’re in between jobs or just out of school, temporary health insurance is essential. Your health is too important to put at risk.

Get free quotes on temporary health plans…

* First Name: * Last Name: * Address: * City: * State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming * Zip: * Phone:      * Email:   Gender* Date of birth*   Height*  Weight* Smoker* Applicant M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Spouse -- M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children 0 1 2 3 4 5 6 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Currently Insured? Yes   No Have conditions? Yes   No HIV/AIDS Diabetes Cancer Heart attack High blood pressure Asthma Stroke Depression requiring medication Other major illness

How Temporary Health Insurance Works

Temporary health insurance is designed to cover you for anywhere between 30 days or half a year. When you enroll, you choose the amount of time you want to be covered for.

While some insurance companies offer PPO-based temporary plans, most use the traditional indemnity model for their policies.

In a PPO (or Preferred Provider Organization) plan, you choose your provider from a “network” of doctors, hospitals, and other healthcare professionals. While PPO plans let you get care from someone outside their network, you save more money when you stay “in-network.” PPO plans are a form of managed care. That means the insurance plan saves its members money by restricting coverage to a group of healthcare professionals it has negotiated prices with. PPO plans have fewer restrictions than other managed care plans, notably HMOs.

In the traditional “indemnity” health insurance model — sometimes called a Fee For Service plan — you choose any healthcare provider you’d like. You pay for the healthcare services you receive, and file a claim with your insurance company. As long as the service you received is covered under your policy, your health plan will reimburse you for the cost.

Finding Your Temporary Health Plan

There are plenty of temporary health plans on the market. Working with a professional health insurance agent will help you find the right plan to cover your medical needs, while fitting your budget and your timeframe.

To get started talking to local agents, take advantage of our free quote service. We’ll match you with agents, ready to find you a temporary health plan. All you have to do is fill out this short form to request your free insurance quotes. It’s fast and easy.