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TEMPORARY HEALTH INSURANCE

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Apply online through this site and receive a Free Rx Savings Plan. Once you apply, you will receive a one time email with a sign-up link. Use the Rx plan as often as you like. It's just our way of saying thank you for your business.

Long Term Consumer Care, Inc. is a licensed insurance agency and is appointed by Fortis Health.

Long Term Consumer Care, Inc. is a member of the Better Business Bureau .

Temporary Health Insurance and Short Term Health Insurance Coverage from Temp-insurance.com

Temporary health insurance coverage brought to you by temp-insurance.com. Short term health insurance plan information is available above. Get your temporary health insurance coverage information and quotes online at temp-insurance.com.

Why would you need temporary health insurance coverage? If your currently between jobs. laid off or have just graduated college or for any other reason, we might be able to help with your insurance needs. You can have as little as one month of temporary health insurance coverage or keep the short term health plan for up to six or twelve months, depending on which plan options you choose.

Temporary health insurance is designed for people who will soon be on a regular, major medial plan but need some gap coverage.

Our short term health insurance plans all you the freedom of using any doctor, clinic or hospital. This is called an indemnity plan. You can have a choice of deductibles from $100, $250, $500, $1,000 or $2500. Temporary health insurance is usually much lower in cost than regular individual permanent major medical health insurance because the company is only covering you for a specified period. This creates less insurance risk for Fortis Health / Assurant Health.

If you are looking for a good replacement for Cobra insurance, you may want to consider temporary / short term health insurance. These plans do not cover pre-existing conditions though, and all though you can purchase a maternity rider in some states, they do not cover maternity for the majority. For illness, injury or accident's that did not yet happen, temporary health insurance can be a great option.

What temporary health insurance coverage is Available?

Assurant Health offer a variety of temporary health insurance policies. Policies may vary according to the services covered, the amount of benefits payable, and the type of managed care provisions included (if any). Managed care refers to a variety of provisions intended to reduce costs. Common managed care provisions include:

Utilization Review - Typically, you must call a toll-free number to receive approval before going into a hospital for non-emergency care. Assurant Health reviews treatment recommendations to determine whether the hospitalization is medically necessary.

(PPO) Preferred Provider Organization - Assurant Health contracts with a network of medical providers who agree to accept lower fees and/or to control utilization. The insured receives a higher lever of temporary health insurance benefits if they go to a preferred provider than if they go to a non-preferred provider.

(HMO) Health Maintenance Organization - People enrolled in this plan must choose a primary care physician from a list of participating doctors. This is not the case in temporary health insurance. For any non-emergency hospital or specialty care, you must get a referral from your primary care physician.

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