Temporary Texas Health Insurance

There could be a time when you might be without health insurance altogether, in such a circumstance it is possible to get temporary Texas health insurance till you find just the right permanent health insurance plan. Temporary health insurance is usually offered for a period of six to 12 months, and is ideally suited for people that are in the process of shifting/finding health insurance providers or in between jobs or just coming out of college. There could be other reasons to apply for temporary Texas health insurance, but the basic function of temporary health insurance is to act as a bridge between two permanent health insurance plans.

There is a popular misconception that people that need health insurance in a hurry can get temporary health insurance to meet their upcoming health care expenses, this is not true. Almost all Texas health insurance providers require a ‘Certificate of Health’ before they offer temporary health insurance. What is equally true is, a person already suffering from an ailment might be able to get health insurance, but the health insurance company does not cover expenses that might arise due to a ‘pre-existing’ illness or injury.  Obtaining temporary health insurance is a rather simple process and has a less rigorous underwriting process.

Temporary insurance is also less expensive than permanent health insurance. Temporary Texas health insurance can be extended if required, however if a person has already made a claim on the health insurance the chances of an extension are poor. In addition, temporary health insurance usually gets more expensive with each extension. Importantly, temporary health insurance is instantly voided once the stipulated time period of cover is completed; there are cases where a person only receives a part of his health insurance cover because the temporary health insurance expired and he/she was not granted extension during hospitalization.

It is important to remember that people with permanent health insurance are not eligible for temporary health insurance, and claiming temporary health insurance in such circumstances constitutes fraud.

While renewing a temporary Texas health insurance policy, the health insurance company takes into account the number of health claims made, the reasons for extension and most important, if the person can afford permanent health insurance. In a nutshell, temporary health insurance is usually granted to people that are genuinely in need of temporary health insurance and have no other option.

If you are considering temporary Texas health insurance, make sure you have all your documentation in order, as you might be asked to clarify (by means of documents) why you are opting for temporary health insurance and not permanent health insurance. Unlike credit cards, if you are denied temporary health insurance by one firm, you can always try elsewhere (there is no sharing of databases of rejected applicants). Also remember that applying for extensions is a painstakingly elaborate process, so make sure you get temporary insurance for as long as you need it. Keep in mind that if you have the option to apply for permanent Texas health insurance do not apply for temporary health insurance as it could cost you more in the longer run.

Texas Health Insurance Online Quotes and Applications
If you are a resident of Texas you can find an excellent resource for your research by visiting Texas Health & Life (Texas Health Insurance) which offers online quotes and applications for Texas health insurance and also a very helpful Buyer’s Guide.