COBRA Insurance - Alternatives to COBRA Insurance
Temporary Major Medical Health Insurance Plans
Good for up to 3 years
Are you temporarily without health insurance?
COBRA insurance is often the most expensive health insurance available. The last thing most people need after leaving or losing their job is a health insurance bill that looks like a mortgage payment.
COBRA insurance alternative is a temporary health insurance plan. Coverage
in 24 hours
from an"A" rated company is guaranteed
for up to 3 years. This is a $1 million dollar major medical plan.
A temporary major medical health insurance plan can be put into effect within 24 hours. The carrier we use is very highly rated (A.M. Best rating of "A") and the rates are much better than COBRA insurance. Some of the plan features are:
* Provides comprehensive Major Medical insurance protection
Short term health insurance
provides all of the features you would expect in a major medical plan.
COBRA insurance should be taken
in certain instances. If you:
Instant Quote/Apply Online
Temporary health insurance quotes and online applications are available in the following states Click on your state for a quote and/or online application.
How This Temporary Health Insurance Plan Works
This is a completely new kind of temporary health insurance plan. You will be issued a certificate of insurance for a 12 month coverage period. You can pay your premium monthly or by automatic bank withdrawal, MasterCard, Visa or Discover. When your period is almost over you will receive an application for another 12 months. You are guaranteed renewal regardless of your health for three full years. However, you can discontinue the plan at any time if you like.
PLEASE NOTE: There are plenty of 3 - 6 month temporary health insurance plans out there. Here's the rub. If you develop an uninsurable problem while on these plans, you are finished You can renew them or get any other health insurance. With a 3 year plan, you are guaranteed 3 full years of coverage. Plus, you can get on a government mandated guaranteed issue plans known as HIPPA after the three years are up.