Beware: Temporary Health Insurance

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Beware: Temporary Health Insurance

Post by Admin on Sun Jan 11, 2009 8:27 pm

If you need coverage because of pre-existing conditions, going the temporary insurance route may NOT be the best course of action. COBRA protects a laid off worker and guarantees "portability" i.e., that the next benefit plan with an employer cannot penalize you due to pre-existing conditions.

Electing to take out temporary insurance - rather than electing to go with COBRA - can cost you in the longterm, as it can make you ineligible for coverage until a long waiting period has been satisfied with future insurance coverage from an employer.

Here is a good article, wh/ also lists various agents in the Charlotte area who provide temporary insurance policies.

http://articles.directorym.net/Short_Term_Health_Insurance_Charlotte_NC-r957733-Charlotte_NC.html

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