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THE
COST OF NOT HAVING SHORT-TERM TEAM INSURANCE -- A TRUE STORY
SHORT-TERM VS. LONG-TERM MAJOR MEDICAL COVERAGE
WHAT TO LOOK FOR IN SHORT-TERM HEALTH INSURANCE
SHORT-TERM PLAN THAT COVERS PRE-EXISTING CONDITIONS
PAY
PER-DAY RATES FOR SHORT-TERM PLANS
SHORT-TERM INSURANCE & THE "BENEFIT PERIOD"
MAKING SURE YOUR SHORT-TERM INSURANCE WILL
COVER CLAIMS MADE IN THE USA
SHORT-TERM
INSURANCE AND THE “BENEFIT PERIOD”
THE
BEAUTY OF SHORT-TERM HEALTH PLANS
TRIP
CANCELLATION WITH MEDICAL & EVACUATION COVERAGE
SHORT-TERM PLANS AND HOME COUNTRY
COVERAGE
WHAT TO LOOK FOR IN SHORT-TERM HEALTH INSURANCE
With a casual glance all short-term plans look the same, but there are important differences. Varying rates (premiums) are not the only thing to keep in mind. First, when comparing premiums on different plans make sure the maximum coverage and deductible you are considering are the same amounts for each plan. For example, compare the rates for a maximum coverage of $50,000 with a $250 deductible.
After that is done, you need to ask yourself the following questions: Is home country coverage offered? How much time is allowed in the home country? Is home country coverage built into the rates or is it surcharged? What is the maximum medical evacuation amount? Is the medical coverage only for accidents or for both accidents and sickness? What is the benefit period (the length of coverage from the time the person requires medical care)? The best companies give at least a six-month benefit period. Is hazardous sports coverage offered? And if so, what is the surcharge? Although short-termplans do not cover pre-existing conditions, is there any coverage for an “unexpected recurrence” of a former medical condition? What is the optional length of the policy: one year, two years, three years? The longer a short-term policy can be in effect, the better.
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