California Short Term Health Insurance
California short term health insurance is a type of coverage applicable in only select situations. It is a great option to have available to those who absolutely need it, but California short term health insurance has some distinct disadvantages too.
If you are looking for short term health insurance in CA or any other state, the best way to do so is by using a free online quote tool. It will help you by doing the shopping around for you and providing you with several, competitive California short term health insurance quotes in no time.
California Short Term Health
Insurance Fits Certain Needs
California short term health insurance, also known as gap coverage, is needed by people in certain situations only. It is a very necessary, temporary fix that will give the insured the peace of mind that he or she is covered by health insurance coverage in case it is needed. Below are some examples of situations where you might need short term health insurance.
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If you are between jobs and have exhausted your COBRA benefits or can’t afford them
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If you have started a new job and are waiting for the group coverage to start
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If you are ineligible for your parents’ policy
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If you are on strike or laid off
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Recent college graduates who are job hunting
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Early retirees
This list is not exhaustive, so if you think your situation may require short term health insurance then read on.
Disadvantages Of California
Short Term Health Insurance
California short term health insurance will provide temporary coverage for you to visit any doctor or healthcare provider that you wish. It is offered so that no one has to interrupt their health insurance coverage at any point in their life. To do so could mean serious financial difficulties, even leading to bankruptcy, if serious illness or an accident occurred. However, it is not a long term solution to your healthcare needs for many reasons.
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Usually pre-existing conditions are excluded from coverage
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Coverage may be limited
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Often it is not renewable if you make any claims
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Usually is only available for a maximum of 365 days, sometimes less
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With high deductibles, it is usually only beneficial for catastrophic events
As you can see, short term health insurance does have its limitations. So you really need to evaluate your personal situation and decide if a short term fix is your best choice at this time. If it is, start getting some estimates on rates and coverage.
How To Get Instant Quotes On
California Short Term Health Insurance
By using an online quote tool, like the one above, you can quickly and easily access a number of competitive California short term health insurance quotes.
This easy to use and effective system is ideal for side by side comparisons of the options available to you.
Return to our free CA quote tool above and get started with your California health insurance quote now!