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New Job! Medical Benefits Do not Start for 90 days.
One of the best time of a person's life is when they get hired. When people get a new job, they can start to plan for the future. They can budget for their income and settle in to focus how to do their job to the best of their ability. Many people get benefits that they needlessly need if they have health problems. Sometimes the most important thing about a new job is the medical benefits that are both guaranteed and the employer pays for it. Most new jobs with benefits do not allow you to get your benefits right away. Typically, there is a 90 day waiting period on the new hires. So there is a period from the time you are hired until benefits start.
It's not always 90 days. Sometimes the waiting period is 30 days but the problem is the same. When the benefits start, everything will be great. But many people struggle to get to the point where they can get those benefits. Some people between jobs are paying for COBRA benefits that can be expensive. Other people may be paying an outrageous amount for individual coverage that they might not need. Other people consider short term health insurance plans to bridge the gap in coverage until your benefits start with an employer.
Short term insurance plans, or temporary insurance, are designed to cover for major expenses that may occur at a fraction of the cost of many of the other plans. The reason is that these plans cover all new illnesses and injuries, but everything is subject to a deductible and co insurance. During the 90 days between when your coverage with your employer starts and when you are hired, you may not need copayments for doctor visits. People who only need basic coverage approved by the Department of insurance are saving a lot of money on premium while maintaining catastrophic coverage they might need.
Short term health insurance plans are simple issue so you do not have to worry about an extensive application process like many regular individual insurance plans. Generally coverage begins as early as midnight of the night the application is completed. Everything can be done online in just a few minutes. It is easy to get quotes, information, compare plans, and apply directly online. There are only a few health questions for underwriting. As long as you qualify, your cards are generally sent to you directly in the email.
These temporary plans are not for every situation. Short term health insurance plans are great if you know you only need to cover a gap in your coverage. Most people are amazed at the prices and do not believe it is real insurance. But these plans do go through an approval process with each state's department of insurance. If the department of insurance does not approve the plans in that state, they are not available. Generally there are several options and it is a good idea to compare many different ones.
Everything can be done online at sites like http://www.short-termhealthinsurance.com . But you can contact your local agent if you have questions or need assistance signing up for a program. When I've called, they've generally been helpful.
If you are paying a lot for health insurance and just need to cover the waiting period from when you got hired until your benefits start, think about short term health insurance as a solution that can save you a lot of money. Good luck with your new job.
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Source by Brian W. Thacker
