Short Term Medical Insurance For Visitors

by C. Ray Sondeo

The cost of health care around the world is rising and an unforeseen illness or accident can cause a great financial catastrophe. A Short term visitors medical insurance provides a comprehensive temporary visitor health insurance or visitor medical insurance that guards you besides the shattering costs of unanticipated medical bills.

The duration of a Short term visitors medical insurance is from thirty to three sixty-five days. However, the state of residency is a factor that needs consideration. The visitor insurance allows you to use your own doctors and hospitals. The temporary visitors insurance covers the physician services, X-rays, inpatient hospital stays, laboratory services, outpatient-inpatient hospital surgeries, post surgery nursing care and rehabilitation up to a duration of upper limit of around $2 million.

The Short term insurance or visitor health insurance offer coverage that can easily last up to six months. It is a good solution for people between jobs or those waiting for some other visitor health insurance or visitor medical insurance to start. Typically, temporary or short term visitors medical insurance does not include coverage for preventive care, physicals, immunization, dental or vision care. However, purchasing a short term visitors medical insurance plan will make you ineligible for any guaranteed individual health plans commonly referred to as HIPAA plans. These plans are generally expensive and are intended for people having a pre-existing medical condition. If you wish to maintain your eligibility for the HIPAA plans then you must not purchase the short-term visitors insurance.

This short term visitor insurance is a good option if you are between jobs, waiting for coverage from another health insurance plan to start, laid off on strike, a recent college graduate or seasonal employee. All these require visitors insurance for a short time. Therefore, you need the short-term visitor medical insurance or any other visitor insurance. When you are in such conditions, you will need an affordable insurance that can give your family peace of mind.

Short-term health insurance is the ticket for people in transition. Short term health insurance is usually bought in one-month increments, which makes it convenient to drop at the end of the month. You need to read all the limitations and exclusions that are available on the policy form. You must clear all your doubts with the help of your agent. Taking the agent’s advice prior to purchase is a good idea.

The short term visitors medical insurance is just like an indemnity plan which usually offers the freedom for going to any doctor or specialist of your choice. However, pre-certification is needed for most plans which is an obligation with which you should familiarize yourself. According to these rules, you should get pre-certification from the insurer before you are hospitalized. But, there is an exception for emergency treatment. If you fail to pre-certify, then you may not be covered by your insurance.

Surgery, hospital care, emergency, diagnostic tests, prescription drugs, follow-up office visits and yet some degree of mental health care is incorporated under most health policies even though they might come with certain sub-limits or special conditions.

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