Hi! My name is Bryan Stevens. I am a former insurance agent and financial consultant and I want to show you how to get an affordable short-term health insurance plan. Short term, health insurance plans provide temporary health insurance for the period of one to six months. Premiums are relatively cheap and in most cases, you do not need to submit to a medical exam unless you are over 55 and have not have a medical exam in the last 10 years.
Most insurance companies let you extend your plan if you did not file a claim and your health is the same as it was during the initial insurance period. Short term insurance health insurance plans are actually major medical plans that cover you if you are injured or ill or become ill. Coverage includes emergency care, prescription drugs, hospital care, x-ray fees, and lab cost. These plans do not cover preventive care, routine medical exams, or preexisting medical conditions, and do not provide optical or dental coverage. To save money on these plans, you can raise your deductible that is the amount you pay on the claim before you insurance company pays. Insures a 50:50 co-payment, in other words you pay half the claim and your insurance pays the other half. Instead of the typical 80:20 co-payment.
Short-term health insurance plans are relatively cheap but you should still compare quotes to get the best rate. In order to get the cheapest rate, you need to compare quotes from a number of companies, the easiest way to do that is to go an insurance comparison website where you fill out a single questionnaire, enter the type of coverage, and a deductible you want then compare the rates. Visit lowerratequotes.com to get short-term health insurance quotes from top rated companies and see how much you can save. You can get more tips and advice in their article sections and get answers to your questions plus get tips on how to lower your premium from an insurance expert by using their online chat servers. Just enter lowerratequotes.com and do your internet browser or if you are in youtube or mediccafe click on he lower ratequote slant to the right with the bottom of this video.
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