Explain Stop Gap Health Insurance Policy

When health insurance comes to people's minds, they think of traditional health insurance, with office visits, co-payments, and prescription drug coverage. However, such health insurance is not always available. Perhaps you are changing from one job to another, or maybe you are employed part-time, or with a seasonal agency that does not have full health coverage, or you could be attending or just graduated from school. In these situations, traditional health insurance cover is sometimes not available. If you are unable to afford traditional health insurance, but want some coverage in the case of an accident or emergency, then stop gap health insurance is your best choice.

A health insurance gap can be bridged by a short term health cover policy, when traditional health cover is unavailable, because of some unforeseen circumstances. The very definition of stop gap health insurance is built into the name, it is a short term solution offering short term coverage, with the expectation that afterwards, you will get or resume traditional health insurance coverage. It is designed for those who would like some coverage in case of an accident or injury and only covers emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a specific amount of hospital care. Though policies vary, these are typically standard in stop gap health insurance coverage. However, short term health insurance does not cover regular doctors visits, nor do they cover current medical conditions. If you are looking for this sort of coverage, you ought to consider obtaining a traditional health insurance policy or inquire about other choices.

The cost of getting stop gap health insurance cover varies from company to company, you might have a monthly premium, ranging anywhere between $25 to $100, depending upon the plan's coverage and deductible, which often begins at $250 and can go up to $5,000. Most policies these days also offer a reasonable pay out figure, which quite often is around one or two million dollars. Policies allow you to choose coverage for definite lengths of time, from 30 to 180 days, but rarely any short-term policies will go beyond one year.

How do you get stop gap health insurance? It is not as difficult as it may seem. A simple Internet search will return a number of companies that offer short term health insurance policies. Searching the net will also give you the opportunity to compare different companies and different plans. Just be sure to look into each of the policies carefully to understand your maximum pay-out as well as deductibles, coverage, and other stipulations of the agreement.

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