California Temporary Health Insurance
Lets face it, life can take unexpected turns and bring many surprises. With the economy showing little sign of rebound Americans are finding themselves in survival mode. People throughout California are still losing jobs, and along with it, their health insurance benefits.
If the economy has claimed your job, more than likely you’ve elected your COBRA insurance benefits. COBRA however tends to be unaffordable for the average individual or family. When the COBRA subsidy comes to an end on December 31st 2009, many of us are going to be looking for other temporary coverage options until we can get benefits through another employer. For the Californian unable to afford the premium that comes along with their COBRA insurance, temporary health coverage may be the best option for you.
California temporary health insurance is great for any individual or family looking for affordable coverage immediately. It provides good catastrophic protection and a piece of mind if you are worried about out-of-pocket expenses from catastrophic claims. Temporary insurance can be effective the next business day or sometimes the same day if you apply in the morning. This usually gives the underwriter sufficient time to review your application to determine if you are insurable.
Here in California there are 3 major health insurance companies that offer temporary coverage. Anthem Blue Cross of California, Health Net, and Assurant Health are excellent insurance companies but the Assurant Health plans are by far the most comprehensive in benefits. These plans have far better prescription benefits, 100% optional co-insurance after deductible and lower out-of-pocket expenses. At the same time you should expect to pay a higher monthly premium for such a plan, but if you want the best temporary health plan money can buy, please take a look at the Assurant Health products. On the other hand, if you happen to be on a budget and would like the cheapest monthly premium possible, Anthem Blue Cross of California or Health Net would work just fine for you. Whatever choice you decide, all plans provide great catastrophic coverage!
Determining the best option for you is what we do best here at J.C. Lewis Insurance Services. If you prefer to do your own research then please visit our California short term health insurance page to get quotes, view plan benefits and apply online. Do you prefer speaking to a live person? No problem. Pick up the phone and call us at 866-745-9555. A few minutes with one of our licensed Agents and we can get you up and running in no time!
Obviously regular health insurance is best, but temporary health insurance can help keep you covered in the event of an illness or accident. Good post.