With a casual glance all short-term health insurance 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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