Florida temporary health insurance provides next-day coverage for a period of up to 12 months. These "A" rated major medical plans provide up to $2 million dollars of coverage. You can pay a month at a time and discontinue the insurance any time you want.
Call us at 800-272-0512 from 9 AM to 9 PM
your own quotes and/or apply directly online.
Temporary health insurance is just that, a plan for someone who needs health insurance for short term. It should not be used as a substitute for a regular Florida health insurance plan.
While the coverage is excellent and they will pay claims for your medical expenses, once it ends, it may not be renewable.
For example, if you had a heart attack while on the plan and then a few months later the plan terminate, you would not be able to renew it. Worse yet, you would not be eligible for any other health insurance plans. Not in Florida.
So, if you need health insurance for a few months and know that you will then have coverage, these plans will work well for you. Otherwise, call me about a regular Florida major medical plan.
Who Should Get a Temporary Health Insurance Plan?
This type of plan is ideal for someone who need health insurance for a few months. Someone who just got a new job and is waiting for their health insurance to kick in.
It works well for those who need to get something quickly while they look for work or if they just moved into the state.
We also sell a number of plans to people without social security numbers but who have been in the United States for at least 12 months.
Finally, it is the only plan you can buy for a child under the age of 19 without a parent on the plan.
What Do These Plans Cover?
Temporary or short term medical are major medical plans. With most plans of this type your coverage begins after you meet the deductible. Remember, this plan was designed as a "just in case" plan and not as a permanent replacement for a plan with doctor co pays, prescription coverage and so on.
medical expenses are covered?
- Services of licensed Physicians, Registered Nurses, Surgeons, Assistant Surgeon, and Anaesthetist
- Prescription drugs
- X-rays and laboratory tests
- Pre-admission testing
- Hospital emergency room services
- Hospital services including outpatient department or ambulatory surgical facility services
- Hospital room and board and general nursing care while confined in a semi-private room
- Intensive care
- Chemotherapy and radiation therapy
- Intensive, cardiac, burn or other specialized care unit
What you will find missing is coverage for routine physicals and co pays for prescriptions and office visits.
All of the plans have a PPO network available for hospital stays but few offer a PPO for office visits. Prescriptions are covered on a discount basis and not a co pay.
Preexisting conditions are not covered - not ever.
Will I Qualify for a Temporary Health Insurance Plan?
The underwriting is not as difficult as a traditional health insurance plan.
Essentially, you cannot have any major illnesses including diabetes. You cannot be pregnant, have HIV or be on disability. The weight tables are liberal but if you are morbidly obese, you will not get a plan.
When you fill out the application there are only four or five questions about your health
Can the Plans Be Renewed?
In most states you can renew a short term plan a number of times. Some plans make you wait 24 hours before you can reapply. Since we have a number of carriers who sell these plans, if you wish, you can stay on these plans for a very long time.
How Can I Get a Quote and/or Apply?
Getting a quote for a temporary health insurance plan is very simple. You use our temporary health insurance quote link. They will ask you for your state, zip code, gender and age. If you want a spouse on the plan there will be a place for their information. If you want to add children, fill in the number of dependents.
It is really simple. Or, you can give me a call and I will run the quote for you. It only takes a few minutes.
To apply you just click on the plan you want and fill out the form. The plans take either credit cards or draft directly from your checking account.
Some plans will require you to be at least 2 years of age. I do have one plan for children as young as 30 days old. If you are going to use temporary health insurance for a child, have a look at our child-only health insurance site for more information.
Call us at 800-272-0512 from 9 AM to 9 PM
FLQUOTE.COM - A Full Service Florida Health
and Life Insurance Broker
Coral Springs, Florida 33076
We serve the entire state of Florida from the keys to the panhandle.