You could find yourself without health insurance cover in situations like changing jobs, choosing a new long-term insurance plan or waiting for a group insurance policy to become effective. Short-term health insurance is meant to protect you during such breaks. This coverage can also include your spouse and children. Such policies are normally issued for one to six months. They usually cannot be renewed, but most insurance companies allow you to apply for a similar policy when the existing one expires.Coverage becomes effective within 24 hours of submitting the application. However, you can defer the effective date of the policy up to 30 days. The application is a easier process than that of a standard insurance policy. Some insurance companies charge a processing fee of $25.There are certain contingencies that short-term health insurance does not cover. These include per-existing medical conditions(medical problems that have been diagnosed and treated during the .. more >>

Health insurance is one of those expenses that a lot of people don't want to have to pay. Countless people look at their lives and they realize that they are pretty healthy, their kids and spouse are pretty healthy, so why should they be paying for coverage that they rarely or never use? This is a very common thought, but health insurance is something that everyone should have, if possible. In fact, this should be considered and expense that is non-negotiable.Why should this not be considered something that is expendable? You need health insurance because it is there in the case that you should need it, not because you need it every day, or even every month. The fact of the matter is that many people only use their coverage a few times a year but when they do use it, it really counts. What you may be surprised about .. more >>