Options:
We've
researched and are willing to recommend three
carriers. Each has its benefits:
1) Fortis: These guys are the leaders. They have a short
application process and cover just about everyone. There is no coverage for
pre-existing conditions. Choice of deductibles and copays. Depending
up what option you choose, they pay 50%, 80%, or 100% after
you meet the deductible. After you pay $5000 in expenses, they pay for
everything at 100%. You can apply right on line -- right now! Go to
this link
http://www.stminsurance.com.
Where is asks for the agent number - key in
000793BJ000001. You will be
notified immediately whether or not you have been approved. If you are
approved, you'll receive a policy in the mail within a couple of days.
2)
Medical Mutual: These guys take you through full underwriting and you
fill out a regular health application (not really a big deal). For this
reason, they will pay for pre-existing conditions if you are going directly from
one health plan to another or do not have more than a 63 day lag without
coverage. They have a $500 deductible, $15 co pay per office visit and an
out of pocket maximum of $2,000 per person or $4,000 for the family.
3) Anthem Blue
Cross/Blue Shield: Anthem has a short application process and
abbreviated underwriting. They do not cover pre-existing conditions.
Anthem offers a choice of deductibles from $250 - $2500. Their coverage is
virtually identical to the Fortis 80/20 plan.
Who shouldn't get temporary coverage:
Only get temporary coverage if you are certain that you are
going onto a plan that guarantee's your enrollment regardless of health.
An example of this would be a group plan, Medicaid or Medicare. We make
this recommendation because your health may change any time.
Insurance companies can decline
coverage for individuals. If you go to purchase an individual policy at
the end of your six month limit on the temporary plan, you may be declined if
you have serious pre-existing conditions.
Contact us for a quote on temporary
insurance
Request for Temporary Insurance Quote. Just include your name, zip
code, and date of birth.
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