Can you recommend a temporary health insurance while I look for a job when I move to a different state?

You may opt to get a short-term plan as temporary health insurance until you get a job. It usually does not cover pre-existing conditions, doctor’s visits, and prescription medicines before the deductible. These short-term plans normally cover only unexpected major medical or health need such as accidents or injury. You may need to look for an agent in your new location if they can find you a temporary health insurance that offers a premium you can afford.

Your other option may have to be COBRA. If you have a group plan in your present employment, you may want to keep COBRA as temporary health insurance. COBRA coverage normally lasts up to 18 months. It is a good option especially if that family member has a pre-existing condition who may need medical assistance.

However, even if you are still in your previous employer’s group health plan, you will most likely have to pay the premium. Generally, the premium is around $400 a month for single individuals and $800 for a family. Or it may be 102% of the amount that you and your company have been paying.

But, even if COBRA is strongly recommended other than a temporary health insurance, problems may still arise as you are moving to a different state. Health insurance coverage may vary depending on the laws governing each state. You may also find it difficult to find an in-network healthcare provider covered in COBRA to your new location.

Answer by InsBlogger1- June 3, 2009 @ 6:55 pm

1 Comment

  1. There are several insurance carriers that offer temporary health insurance. You can visit our short-term health insurance directory for a list of many providers in the state where you currently reside. This type of coverage will typically move with you when you relocated

    Comment by Moderator — June 24, 2009 @ 11:10 pm

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