Health Insurance Lead Miami Florida FL
Reader’s Question:
I just graduated from college. I am finishing a business program in Miami, FL. I only have six months before I finally start my job with an investment banking firm in Miami. Will it be wise to consider buying a short term health insurance policy?
Farrah
Miami, FL
There is always short-term health insurance available for you. In fact, your description puts you in a good spot to utilize this bridge coverage intended for graduates like you still trying to find a job. An important characteristic of short term health insurance is that you can utilize any licensed physician of your choice within the covered state. You will not be tied to a primary care physician which can be helpful if you will be relocating to another city outside Miami.
Most do not have deductibles with coverage period for short term health at six months. There can be some flexibility with the time period too. Short term health insurance coverage is designed to protect you against surprises in case you get sick while still uncovered by an amployer’s health insurance. Please be advised that short term health insurance policies usually does not offer preventive coverage and pre-existing conditions are generally not covered.
The company that will hire you, in some cases, extend the coverage if your experience rating is good. Application process for short term health policy can be fairly simple. Most can now be accomplished online or through a local insurer in Miami, FL. As soon as your premium is paid, a short term insurance will begin. It will always be wise to shop around for quotes before you buy anything so you will have a point of comparison in your area.
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