Short Term Health Insurance Kelso WA
Title: Financial Advisor
Company: Independent Financial Group, LLC
Investment Advisor Rep: Yes
Columbia Basin College
The American College
The Academy of Financial Management
Years Experience: 24
Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Retirement Income Distribution Planning,401k Rollover From Employer,Wealth Management,Annuities,Alternative Asset Class Planning,Estate Tax Planning,Fee-Only Comprehensive Financial Planning,Mortgage Refinancing,CD Alternative,Life Insurance,Investment & Portfolio Management,Business Succession & Liquidation Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers
Mountlake Terrace, WA
Company: Senior Financial Consultants, Inc
Stock Market Alternative,Wealth Management,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accum
Short Term Health Insurance
Short Term Health Insurance
Sometimes, we need short-term health insurance. You may have just graduated from school, or left a job, and need to get your own insurance on a temporary basis while you job hunt. Maybe you've actually got a new job, but your employers group health has a waiting period. These are good times to consider short-term health insurance if you can get it where you live.
Short-term health insurance is just what the name implies: health insurance for a short term, usually 30 days to 180 days, although some plans will offer coverage for up to 12 months. If your short-term needs look like they may run longer than your coverage, you may be able to renew. However, you can't count on a short-term plan to provide insurance for more than a year.
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Short-term plans usually provide all the same basic kinds of benefit's that you would expect in any health insurance plan. However, also like other plans, you may have to cope with benefit limit's, deductibles and co-payments. In most cases, you'll be allowed to pick your own doctors, hospitals or health-care providers. Most of these plans rarely require a physical exam and coverage can start as soon as your first premium is received. However, because of the easy application and acceptance, most plans also won't cover any previous medical conditions.
To keep the premiums on these kinds of plans down, you won't likely get all the benefit's of a permanent health insurance plan. Aside from the restriction on pre-existing conditions, you'll also find that most won't cover routine medical exams, preventative care,...
Washington State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: acupuncturist, AIDS/HIV testing/vaccine, alcohol/substance abuse, anti-psychotic drugs, audiologist, birthing center/midwife, breast reconstruction, cervical cancer/HPV screening, chiropodist, chiropractor, cleft lip and palate, colorectal cancer screeing, contraceptives, dental anesthesia, dentist, denturist, dependent coverage (including newborns, adopted children, dependent students/adults, disabled dependent adults, domestic partners, civil unions), diabetes self-management and supplies, emergency room service, facility (public or other), home health care, hospice care, HPV vaccine, licensed health professional, mammography, massage therapist, maternity (including minimum stay), mental health, naturopath, neurodevelopment therapy, nurse (including midwife, practitioner, anesthetist), off-label drug use, optometrist, orally administered anticancer medication, osteopath (D.O.), physical therapist, physician assistant, PKU/metabolic disorder, podiatrist, port wine stain elimination, prescription drugs, prostate cancer screening, psychologist, second surgical opinion, speech therapist, TMJ disorder