Health insurance to cover unexpected medical expenditures is a must have to secure you and your family. Traditional health insurance plans for the long-term are usually expensive, also if you require it only for a more minor period. There are unexpected avenues you can explore to find affordable temporary health insurance. Here in this blog, we’ll find 10 surprising ways to get the required coverage without breaking the bank.
Below are 10 Ways to Get Affordable Temporary Health Insurance
1. Professional Associations:
Many business associations offer group health insurance to their participants. Most companies extend temporary coverage options at a reasonable premium. If you are a freelancer, consultant, or small entrepreneur, then joining an appropriate professional association will help you get low-cost temporary health insurance.
2. Chambers of Commerce:
Another inexpensive means of health insurance and available generally for small business owners and self-employed are the local chambers of commerce. The chambers can generate a group rate about an agreement with insurance companies. This enables temporary coverage as well as more affordable options to its members.
3. Short-Term Health Insurance Sites:
Well, specialized Websites that focus on short-term health insurance plans are like a gold mine in this respect. Customizable options provided by these online platforms will let you find temporary coverage at very reasonable rates appropriate to your needs and budget.
4. Healthcare Sharing Ministries:
Health care sharing ministries are not-for-profit organizations. Members pool their funds and, in turn, cover each other for health care expenses. Although it is not insurance, it may still offer a low-cost alternative for temporary coverage. Health care sharing ministries, as such an alternative for lower-cost coverage, should be considered when cost is the issue.
5. Credit Card Benefits:
Some high-cost credit cards have been providing free travel insurance coverages. Among the coverages provided by this agreement is the trip temporary health when their card is used to book your travel arrangements. Benefits may be limited, but they could work in giving you some important temporary protection temporary protections in some situations.
6. Community Health Centers:
Community health centers, however, offer their services on sliding-scale fees which make the services more accessible to people with low incomes. Short-term Insurance or as part of continuing and related servicesSome community health centers have temporary insurance options or refer other programs that offer short terms insurance a at a minimal cost.
7. Healthcare Marketplaces
For example, government-run or private health insurance marketplaces could sell short-term plans alongside traditional plans. Health insurance marketplaces offer a plethora of options and may include short-term coverage, which is all you require-with a price just right for the pocket.
8. Buy Direct from the Insurer:
Rather than visiting just the online comparison sites, another approach in requesting temporary health insurance plans is to contact directly insurance companies themselves. Sometimes, a person speaking with a company representative may find a more reasonable alternative unseen on the internet.
9. Special Enrollment Periods:
Depending on some life events, you may also become eligible to special enrollment outside of traditional open enrollment. For example, loss of a job or a move to another state entitles you to special enrollment. You can purchase temporary health insurance during these special enrollment rounds. That way, you will not have to pay abusively high premiums to fill coverage gaps.
10. Negotiating with Providers:
It may be the case that your healthcare provider is willing to offer temporary coverage options or temporary reduced service pricing in direct negotiation. However, if you are a cash customer of healthcare services now non-covered by any insurance or short-term solution when between plans, it never hurts to understand the process to negotiate the best possible outcomes in the cost of your healthcare services.
Quality, low-cost short-term health insurance is within reach if you are willing to think outside of the box by going to some unexpected avenues. From professional association or chambers of commerce-sponsored health insurance to health care sharing ministries to provider negotiation, there are many ways to get short-term coverage without breaking your bank. Consider some of these 10 unexpected methods to find the right temporary health insurance for you.
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