There are often cases where a person needs medical coverage immediately, but they there are factors preventing them. These may be that they’re on a waiting period or applied at the wrong time. We’re here to discuss how you can get access to medical insurance as soon as possible.
Applying on time
When applying for medical health insurance, apply between the 1st and 15th of the current month. This way your medical insurance will become effective immediately at the beginning of the following month. If you apply on the 16th, for example, or any other day after the 16th, your insurance becomes effective immediately after the following month ends.
If you are pressed for time, these dates are crucial when applying. This isn’t always an option when you are applying for group insurance through an employer, but there are other solutions to help you bridge the gap.
Short Term Health Insurance Effective Immediately (Temporary)
This form of health insurance was designed to cover expenses for people who are between insurances. For example, waiting for your group insurance to start, turning 26, or being between jobs.
Temporary or short term medical insurance isn’t ACA (Affordable Care Act) compliant. It isn’t meant to replace your general insurance. It’s there to cover the expenses of a major unpredictable health crisis. Keep in mind that you will still be liable to pay taxes for not having health insurance come year’s end.
The longest lasting temporary health insurance in Michigan goes up to a year while short term health insurance covers only one month. This flexible time-frame helps clients find something that works for their specific situation.
There are a few shortcomings of a short term health insurance plan. You can be denied access to this kind of health coverage based on your medical history. Before accepted, you will have to answer questions about your medical history, including pre-existing conditions. They also don’t cover any pre-existing medical conditions. In a majority of cases, maternity leave also isn’t covered. Just remember, short term health insurance is not meant to be permanent.
Still, regardless of all of these drawbacks, you are still going to get health insurance that will cover your examinations, hospitalization, and surgery that is effective immediately in as little as 24 hours. You also get access to a network of healthcare providers to choose from. The premiums for temporary health term plans are significantly lower than those of ACA compliant insurance types.
Things can get complicated with health insurance and making a decision can be time-consuming. Sometimes, due to negligence, unfortunate circumstances, or unforeseen situations, individuals may lose their health coverage. These gaps need to be bridged to avoid the risk of falling ill without insurance. The flexibility of temporary insurance in Michigan achieves this but, as mentioned, is not intended to be a permanent solution.