Affordable Temporary Health Insurance Quote
  
Affordable temporary health insurance coverage is designed to fill temporary gaps in health insurance coverage. Typically, insurers offer affordable coverage for periods ranging from one to six months. Temporary health insurance policies typically cover periods from 30 to 185 days. Exact length of coverage may vary by state. Signa Health is proud to offer the best temporary health insurance plans available in the United States. Click on any link above to get an instant quote and plan information from Fortis, Fairmont Specialty Group (FSG) or Celtic, leaders in the temporary health insurance market. Call toll free (877) 433-3026 to have a Signa Health agent help you!
Where is it available?
AL, AK, AZ, AR, CA, CT, DC, DE, FL, GA HI, IL, IN, IA, KY, LA, ME, MI, MS, MO, NE, NV, NM, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI, WY
Who Needs It?
Typical customers for Affordable temporary health insurance coverage are:
- People changing their jobs or transitioning into a new career.
- Graduating students no longer covered by the family health insurance plan, and also not yet covered by an employer's group health plan.
- New employees facing a temporary waiting period before becoming eligible for an employer's group coverage plan.
- Workers who are in part-time or temporary positions for a short period of time.
- Employees who have been laid off or on strike.
- Entrepreneurs starting a new business and want time to shop around for a more permanent health insurance plan.
- Early retirees who may face a temporary waiting period before becoming eligible for Medicare health insurance.
What Does It Cost?
Temporary health insurance rates vary by age, sex, area of the country, whether or not a spouse and/or children are covered, and plan features such as deductibles. Generally, Temporary health insurance coverage plans are more affordable than permanent insurance plans because the insurer is taking less risk. Typically, affordable temporary health insurance plans are about one-third of the cost of continuing coverage through government regulated extension programs such as COBRA or permanent health insurance plans.
Considerations in choosing a temporary health insurance plan
Temporary health insurance coverage is meant for a short time period. Consumers who think they'll need coverage for longer than six months may want to look at a more permanent health insurance plan from Signa Health. Most temporary health insurance policies are not renewable. Some companies, such as Fortis, Fairmont Specialty Group and Celtic do allow consumers to take out a second temporary health policy under certain conditions.
Temporary health insurance coverage policies do not cover pre-existing health conditions. The reasons are obvious to consumers who understand that insurance is designed to protect against the unforeseen. If pre-existing conditions were covered under temporary health policies, people could just wait until they were diagnosed with an illness or suffered an injury, buy a temporary health plan to cover the treatment, then drop it. The cost of such policies would be prohibitive. Because all temporary health insurance policies are designed to cover the unexpected, they do not include coverage for preventive care, physicals, immunizations, dental or eye care.
The definition of a pre-existing condition varies by state, but most temporary health insurance coverage plans exclude conditions that have been diagnosed or treated within the previous five years. Consumers with an existing health condition may want to see if extending their current health insurance plan to fill a gap in coverage is an option for them. Employer-sponsored insurance can be extended under a government-regulated option called COBRA. Consumers also have rights to extend health insurance coverage under HIPAA (the Health Insurance Portability and Accessibility Act). Temporary health insurance plans are available in most states, but a few states require that all health insurance policies be guaranteed issue and/or guaranteed renewable. Temporary health insurance coverage is not available in those states from Signa Health.
Temporary health insurance coverage generally includes a provision to handle coverage for ongoing conditions that begin under the policy, but continue after the temporary health policy expires. Exact coverage will vary and may depend on whether the condition is temporary or results in total disability.
The application process for a temporary health insurance plan is simple and can be done completely online in typically less than 5 minutes. Temporary health insurance plans are designed to protect you against unforeseen accidents and illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, annual physicals, immunizations, dental and vision care.
Some Statistics
A Census Bureau study, Who Lost Coverage and for How Long, found that young adults (between the ages of 18 and 24) were the most likely of any age group to lack temporary insurance coverage for at least one month. More than half of this group was not continuously covered during the 36-month period studied. This study also found that about half of those who lost coverage lost it for 5.3 months or less. The same study found, not surprisingly, that 56.1% of those with one or more job interruptions were not continuously covered.
A Public Opinion Strategies survey report showed that there are a significant percentage of people who shift in and out of temporary health insurance coverage. The survey data showed that 40% of the uninsured had coverage sometime during the year. Although there are many factors causing this movement in and out of the temporary health insurance market, a temporary health insurance policy may provide a solution for some of those who are uninsured for short periods.
Costs of Not Having Temporary Health Insurance
Here are some claims that have been paid under a temporary health insurance plan in recent years:
- $623,000 for a spinal cord injury following a fall. (The consumer paid $266.40 for this $2500 deductible, six-month policy.)
- $466,000 for a climbing accident
- $129,000 for a aortic aneurysm
- $75,000 for a case of pneumonia
How can People cut costs?
- Choose an affordable high-deductible temporary health plan.
- Consider a 50/50 coinsurance option rather than the more typical 80/20. With the 50/50 option, the insurance company covers 50 percent of covered expenses after the deductible; the customer pays the other 50 percent up to a cap. Customers are protected from the costs of catastrophic illness or injury by the cap on the amount of out-of-pocket expenses they need to pay.
- If a consumer knows the exact length of time temporary health coverage is needed, he or she can usually save money with an affordable one-time premium payment.
Plan highlights for (FSG) Fairmont Specialty Group temporary health insurance coverage
Fairmont Specialty Group Affordable Temporary Health Insurance
- Freedom to choose your own doctors and hospitals
- $1 Million Lifetime Maximum Coverage
- In-Hospital and Out-patient benefits
- Physician Services-diagnosis and treatment
- Surgery in a Hospital or Ambulatory Surgical Center
- Intensive Care
- X-Ray and Laboratory
- Ambulance Services
- Spinal Manipulation/Adjustment
- Mammography, Pap smear and screens
- Affordable Premiums
Choose the plan that best fits your needs and budget.
$250, $500, $1000 or $2500
80/20 to $5000 or 50/50 to $5000
1-6 months of coverage or a 12 month plan
Why FSG'S Simple Temporary Health Insurance Plan?
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Quality coverage, affordable rates, and simple online application.
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Access to Quote and application online in minutes.
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Instant online issue - Next day coverage available.
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Email confirmation with your policy approval.
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30 to 180 day coverage periods, 12 month plan available. Ability to reapply in most states.
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Instant Charge for credit cards and bank accounts online.
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Monthly and single-pay premium options.
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Children or Child only coverage is available.
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Faxed applications can be accepted (if premium is paid by MasterCard, VISA, or Electronic Funds Transfer EFT).
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Professional Credit Card Quality Plastic ID cards sent to your client
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Easy, Simple, and Affordable.
This temporary health insurance plan is issued by Fairmont Specialty Insurance Company or Fairmont Premier Insurance Company. The home office is located in Houston, Texas. Temporary health insurance plans contain exclusions and limitations; benefits may vary due to misstatement of age or sex. Policies may not be available in all states.
Affordable temporary health insurance from FSG is available in the following states: Alabama, Alaska, Arizona, Arkansas, California, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Missouri, Mississippi, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin and Wyoming.
Plan highlights for the Fortis temporary health insurance plan
Fortis Affordable Temporary Health Insurance
- Freedom to choose your doctors and hospitals
- $1 Million Lifetime Maximum Coverage
- In-Hospital and Out-patient benefits
- Physician Services-diagnosis and treatment
- Surgery in a Hospital or Ambulatory Surgical Center
- Intensive Care
- X-Ray and Laboratory
- Ambulance Services
- Spinal Manipulation/Adjustment
- Mammography, Pap smear and screens
- Affordable Premiums
Choose the temporary health plan that best fits your needs and budget.
$250, $500, $1000 or $2500
100%, 80/20, 50/50 (may vary by state)
Note: The 100% rate of payment option is only available for 6-month plans with deductibles of $1000 and $2500.
1-6 months of coverage; or a 12 month plan
Why the Fortis Temporary Health Insurance Plan?
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Quality benefits, affordable rates, and a simple online application.
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Access to Quotes and applications online in minutes.
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Instant online issue - Next day coverage is available.
-
Email confirmation with your policy approval.
-
30 to 180 day coverage periods, 12 month plan available. Ability to reapply in most states.
-
Instant Charge for credit cards and bank accounts online.
-
Monthly and single-pay premium options.
-
Children or Child only coverage is available.
-
Faxed applications can be accepted (if premium is paid by MasterCard, VISA, or Electronic Funds Transfer EFT).
-
Professional Credit Card Quality Plastic ID cards sent to your client
-
Easy, Simple, and Affordable.
This temporary health insurance is issued by Fortis Insurance Company. The home office is located in Milwaukee, Wisconsin. Temporary health insurance policies contain exclusions and limitations; benefits may vary due to misstatement of age or sex. Policy may not be available in all states.
Fortis temporary health insurance is available in the following States: ALABAMA (AL), ALASKA (AK), AMERICAN SAMOA (AS), ARIZONA (AZ), ARKANSAS (AR), CALIFORNIA (CA), COLORADO (CO), CONNECTICUT (CT), DELAWARE (DE), DISTRICT OF COLUMBIA (DC), FEDERATED STATES OF MICRONESIA (FM), FLORIDA (FL), GEORGIA (GA), GUAM (GU), IDAHO (ID), ILLINOIS (IL), INDIANA (IN), IOWA (IA), KANSAS (KS), KENTUCKY (KY), LOUISIANA (LA), MAINE (ME), MARSHALL ISLANDS (MH), MARYLAND (MD), MICHIGAN (MI), MINNESOTA (MN), MISSISSIPPI (MS), MISSOURI (MO), MONTANA (MT), NEBRASKA (NE), NEVADA (NV), NEW HAMPSHIRE (NH), NEW MEXICO (NM), NORTH CAROLINA (NC), NORTH DAKOTA (ND), NORTHERN MARIANA ISLANDS (MP), OHIO (OH), OKLAHOMA (OK), OREGON (OR), PALAU (PW), PENNSYLVANIA (PA), PUERTO RICO (PR), RHODE ISLAND (RI), SOUTH CAROLINA (SC), SOUTH DAKOTA (SD), TENNESSEE (TN), TEXAS (TX), UTAH (UT), VIRGIN ISLANDS (VI), VIRGINIA (VA), WASHINGTON (WA), WEST VIRGINIA (WV), WISCONSIN (WI)and WYOMING (WY)
Plan highlights for the Celtic temporary health insurance plan
Celtic Temporary Health Insurance Coverage
If there's one thing you can count on, it's that nothing stays the same. Every day people change jobs, finish college and leave the military. And every day they're at risk if they don't have a health insurance Plan. That's why there's the Celtic temporary health insurance plan, the affordable solution for anyone in need of high quality, temporary health coverage.
What is Celtic Temporary Health Insurance?
Celtic temporary health insurance is a high quality, temporary health care plan. You can apply for up to three terms for a total of 18 months of coverage. Just choose a deductible level that best fits your budget, and the desired length of coverage, up to six months.
Who is eligible?
U.S. residents between the ages of six months and 64 1/2 years old, not currently pregnant or covered under any other health insurance plan, are eligible for Celtic temporary health insurance. Foreign residents living in the U.S. for at least two years are
also eligible for coverage with proof of an Alien Registration Receipt Card or ýGreen Card.ý
How does the temporary health plan work?
Benefits are paid on covered expenses subject to the deductible you select. Once the deductible is satisfied, Celtic temporary health insurance pays 80% of the next $5,000 of covered expenses. After that, the temporary plan pays 100% of covered expenses up to
$2,000,000 per insured. The following chart shows the most you will ever pay per person, per period (excluding premium payments), based on your deductible and eligible expenses.
What does temporary health insurance cover?
- Hospital semi-private room-and-board charges
- Hospital intensive care charges
- Hospital outpatient charges
- Inpatient psychiatric care
- Other miscellaneous hospital and physician services
- Doctor office visits and surgical charges
- Prescription drugs and blood products
- Radiology and laboratory charges
- Manipulative therapy
What is NOT covered with Celtic's temporary health plan?
The Celtic temporary health plan is not designed to cover a Pre-existing condition. A pre-existing condition is a medical condition or symptom that occurred prior to the effective date and was diagnosed by a physician with consultation, advice or treatment. It is also a health condition or symptom which would cause a prudent person to seek diagnosis, care or treatment. Expenses resulting from a normal pregnancy, well care (such as routine physical exams), dental care (except as a result of bodily injury), cosmetic surgery and outpatient psychiatric care are also excluded from coverage. Other limitations and exclusions are listed in the Celtic temporary health insurance policy and may vary according to the state in which you reside.
- Acceptance by Celtic for coverage under the temporary plan applied for is contingent upon verification of the information provided in the application;
- No coverage will become effective any time prior to Celtic's approval of my application for coverage; and
For temporary health brochure please click here.
The brochure is in Adobe Acrobat PDF format.If the Adobe Reader program is not installed on your computer, please visit the Adobe web site to download the program.
I understand that I should not cancel or replace any existing health insurance coverage until I have received notice from Celtic that my temporary health coverage has been approved.
Affordable temporary health insurance from Celtic is available in the following states: Alabama, Arizona, Arkansas, California, Connecticut, District of Columbia, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Louisiana, Maryland, Missouri, Mississippi, Montana, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, Virginia, West Virginia, Wisconsin and Wyoming.
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