Limitations on health plans should be understood, so you know when you need the other options availible to you like Travel medical Insurance, temporary health insurance and Gap health insurance.
Just like there is a difference between cholcolate ice cream and dark chocolate ice cream may be very slight in name but the lovers of darck will tell you there is a huge difference in the two.
Short term medical insurance is coverage for people who know how long they need the coverage, or for what time they need protection . A certain ammount of days like 45 days or 150 days but a know ammount of time.
Temporary Health Insurance is designed for individuals that need coverage right away but have no idea how long they will need it, as it is designed to be more of a month to month type of protection until you get in your permanate plan.
Travel Medical Insurance is very important to know about , because if you trvel your standard plan may not offer the benefits you will need while traveling. In fact some plans do not even cover out of their home country or network at all. make sure you know what your plan offers, and insure you check the exclusions for expartation.
GAP health Insurance is a nice to have product, especially if it is designed to fit a SPecific Insurable Need like Cancer, Stroke or other condition that comes with many cost that health insurance does not cover like Transportation to the BETTER hospital in a different city or state, or benefits for a hotel room so your loved one can be with you to simple things like food and other items that you did not budget for besause you never know when something like this can happen and we are typically NEVER prepared for it so GAP INSURANCE is a great idea.
Something most agents wont tell you is 90% of there customers never exceed their deductible, however they typically tell you or scare you into buying the lower deductible so they and the insurance company make more money.
So now that you have sampled the different falvors of health plans, please make sure that you are always protected by one as the #1 reason for bankruptcy in the US is because of Medical, dont be with out!
