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What is the best temporary/short term insurance a person can get?
Question: What is the best temporary/short term insurance a person can get?
I am a substitute teacher and looking for insurance to get me through the next year. I would like something with a low deductible. The search online is a bit overwhelming
Health Insurance
(short term insurance)
Best answer:
Answer by Misty D
What kind of insurance? Health, life, home, etc.?
I have been an insurance (health) for over 18 years, I would never recommend anyone purchase a temporary or short term policy. Here is why I do not recommend this type of policy.
1. These plans normally exclude pre-existing conditions
2. These plans normally do not offer a HIPPA situation, most will make you ineligible for HIPPA coverage.
3. Once a person has a temporary plan, and really gets sick they are now “un-insurable” for a permanent plan
I personally have helped 5 people this year 2006, that called me after purchasing temporary health plans from other agents, the agents never explained these possible scenarios. Again the consumer needs to collect all the facts, and possible scenarios before purchasing any health plan, a cheap plan is not always a good plan.