where can I get short term health insurance?
552561
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nPlans are month to month with no contract.\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
608229
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118.....\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
934130
Check out health plans available through your college and see what students like you are doing about health insurance. If that doesn’t work, several major insurance companies have developed plans aimed at the so-called “young invincible” market – people in the 20’s. That’s a good thing since about a third of all recent college graduates don’t have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the “Tonik Health Plan” and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It’s called “Sound” and has features similar to the BCBS plan.\n\nHealth plans differ in three basic ways:\n\n•monthly price/annual deductible\n•access to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need)\n•financial strength of the insurance company\n\nAlso, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I’ve included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need.\n\nYou might also want to look into short-term medical insurance. It doesn’t offer the same range of benefits as longer-term insurance, but many people get these kinds of plans when they’re in-between jobs. Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term plans usually help pay for:\n\n•Hospital room and board\n•Ambulatory services\n•Intensive Care\n•Lab Exams\n•X-rays\n•Prescription medications\n\nThe Web has many different Web sites where you can compare and contrast local health plan prices and features. MostChoice.com is one such site, and you can also get in touch with local area agents without any obligation. Tell them what you want and what you want to pay and have them do the legwork for you.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
880401
When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health.  It was a simple online process.  I remember it being affordable.  I cannot speak for how good it is, because thankfully, I did not need to use it.  After 6 months, it expired and that was it\nhttps://www.temporaryinsurance.com/stm/(nzuznvznzbxmqe55raetbozl)/GetQuote/\n\nIf I just graduated, I would take a serious look at this site.  They seem to specialize in students.\nhttp://www.gradmed.com\n\nJust make sure you read what they will not cover.  For example, don't get pregnant.\n\ngood luck\n\n.
1164992
Are you moving because your company wants you to work in the US? If so, the company probably has a health plan for its US workers. US health care, unlike almost any other nation, has an employer-provided model of health insurance – most insured Americans have health insurance through work. It’s much less expensive than buying it on your own. As for the pre-existing condition, most plans have a 12-month waiting period, or exclusionary period, for such conditions. In addition, some plans exclude hernias in the first six months of a plan – even if you don’t have a history of having hernias – unless it’s an emergency.\n\nSo, your hernia shouldn’t stop you from getting insurance, but you might have to wait until your insurance covers hernia surgery. After the first waiting period, though, you should be fine.\n\nIf you still have questions, try visiting MostChoice.com. It’s a health insurance Web site that has instant online price quotes and plan details. But it also has a network of licensed insurance agents who can answer any health insurance questions you might have. Just fill out a form, review the online price quotes, and within two days agents should contact you to talk about insurance to cover your hernia and how long you can expect to wait until the insurance will help you pay for the surgery. There’s no cost or obligation. Just wait until one of the agents delivers the insurance policy that’s right for you.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
897038
Do you work? If so you should purchase some either from work or a private company. If you don't work maybe you could qualify for sate assistance health care, or disability but the best way would be to purchase your own insurance if you can.\nhttps://www.ehealthinsurance.com/ehi/Alliance?allid=Yah26044&sid=tlp\nhttp://www.humana-one.com/default.asp?kc=1005010404&ipsrc=media&reftype=pi&sptype=osmx&cm_mmc_o=QztBBCjCVzbp%20GEgkAlbBECjCZwzkft%20GElAyzEgwCjCZBFw%20VzTw\nhttp://www.insurancequote4you.com/health/
328928
It always depends on what kind of policy you have. You really do get what you pay for. You should always read your policy in it's entirety. If the insurance is paid by the employer and you don't have a choice, you can always purchase additional insurance. If this person is low income, she can apply for medical assistance through the state and they will pay any bills 3 months prior to the application. She may want to give that a try. You would be surprised at who they qualify for medical assistance.
910463
There's a company out there that helps people who do not have and need affordable dental benefits. It includes all basic things and then surgery, crowns, even orthodontics. There's no high premiums, deductibles, co-pays, waiting periods, or anything like that at all. They can save you up to 80% on your out of pocket expenses for a very small fee every month. It could end up saving you a lot of $$ over traditional insurance. Try this website and you can check out the specifics and providers in your area. http://www.everyonebenefits.com/40424269... They are wonderful. I have benefits through them as well. Hope you find what you need. Please email me if you have any questions, and I'd be happy to help you if I can. Best of luck.
92602
Depending on what state you are in, there may be a high risk pool administered by your state.  Contact your state's Department of Human Services or other organization.  A high risk pool is great for people who are going to have very high medical bills, but you will have to pay premiums which are likely going to be much higher than if you were healthy.\nYou might also shop around for "short-term" medical insurance.  Insurers are more willing to write people who may be sick under those short term policies because the insurers knows a date certain that they will no longer be responsible.
767563
This is an excellent question! \n\n In America people are purchasing "Short Term" Policies are opening themselves up to a "world of problems".   You see in the United States we passed a law that enables employees be offered "Cobra" , Cobra is for your "protection".  Let me give you a couple of "What ifs"\na. I go work for ABC Corp. and call up a few "slick" agents who sell healthcare and they sell me a Short Term policy, sounds great!..11months into the policy the Doctor discovers a tumor in my body, and says it is Malignant- I have cancer.  So I call my short term company, and they say well your policy ends in 30days, I ask the company can I convert to a Permanente policy, and they say "NO", because of your medical conditions.\nb. Second Ex. I sign up with my employers plan, and I am diagnosed 11months into the plan with Cancer, and I decide to quite employment, I am offered Cobra!. So lets keep going, lets say I pay for Cobra for 18months (until it ends) and I am still having Chemotherapy, and thus un-insurable by health companies.  Here is the Good news!!!..I am eligible for HIPPA coverage !!!.."lifesaver"..any company offering health insurance will have to accept me into a HIPPA plan.  \n\nAs you can see the only way a person can take a risk with a short term policy if they can "See the future".. and if your crystal ball shows you not needing any health services over your lifetime, then just refuse coverage!..\n\nDo not trust any salesperson, read articles and do your research, Paul Zane's books are pretty good.
241524
Try a Temp Agency, particularily one that specializes in Healthcare.
973680
Low-cost insurance availability varies depending on your location.  In most places in the US, Blue Cross/Blue Shield is available with a variety of low-cost options.  Some states also have subsidized insurance programs.  \n\nHere's a link with good info:  http://www.familiesusa.org/resources/tools-for-advocates/other/web-sites-of-consumer-health-assistance-programs-that-help-with-general-health-insurance-problems.html
345131
You could go to an emergency room.  They'll bill you or you can go to your local health department.  They can give you free or discounted services. Or you could contact your Department of Social Services.
1150964
The best place to start is by doing what you’re doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example:\n\n·Monthly price (premium)\n·Yearly deductible (amount you spend before the insurance company will start paying)\n·Copay amount (amount you pay per service)\n·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)\n·Freedom of choice (can you visit whatever doctor you want?)\n·Preventive medicine and routine doctor visits (does the plan include these?)\n·Mental health (included in the plan; copay amounts; maximum number of annual visits).\n\nHMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.\n\nOne helpful Web site is needymeds.com (see link below). It is a catalogue of Web sites devoted to discounted drugs and medical programs.\n\nThe best way to find answers to your questions, though, is by talking with local insurance agents. Just tell them what you’re looking for and how much you want to pay, and then wait until one of them brings back a policy that’s right for you. You won’t spend any more on a plan from an agent than if you bought the same plan online. MostChoice.com is a Web site with state-licensed agents throughout the country. When you visit the site, you fill out a short information request form. You’ll get free quotes and policy information on health plans near you, and within two days agents should contact you. There’s no cost and you’re not expected to buy a policy from the agents. Also, MostChoice will use your personal information only to help you find the health plan you’re looking for.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nGood luck. I hope this helps,\n\nBarnes @ MostChoice.
311029
try to get your state health insurance insurance it's cheaper or low cost as you won't believe. in new york you got childhealth plus and excellus blue cross. i applied at my local hospital.
223053
It all depends on the state in which you live.  Blue Cross is aways a good reliable but Golden Rule is a good company also.  The latest thing in health insurance is called medical savings accounts.  Find a local agent and talk to them
1019184
A lot depends on why you have to visit the doctor so much. An earlier answerer was right in that group health plans might be the way to go because you are more likely to be accepted and the rates would be lower than a personal policy. If you can’t find insurance through work, I’d talk with local health insurance agents. They probably hear and answer your question a few times a week. As for the type of health plan you want, if you have a personal physician you like and trust you knows about your condition, then I would probably stay away from HMOs unless he works with one. PPOs might be the way to go.\n\nIf you don’t have anyone that helps you monitor your condition, then getting insurance could be an expensive blessing in disguise because it might make it easier to manage or solve your health problem. I would research physicians in your area that specialize in treating your condition and find out what health plans they are a part of. Then I would talk with more than one insurance agent and tell them what you want covered, how much you can spend on insurance each month, and what companies you’d like to work with. \n\nMostChoice.com is an easy way to get in touch with state-licensed health insurance agents and to research health plans. You can get free online quotes and agents will contact you to talk about what you need from a health plan. There’s no cost or obligation to buy insurance; MostChoice just makes it easier to get the information you need from the people who can answer your questions quickly and accurately. So visit the site, fill out a short form and review health plan prices and details. Then wait for the agents to contact you. Tell them what you want and what you want to spend and let them compete to deliver a plan you like at a price you can afford.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice