Today, the cost of health care around the world is rising and an accident or unforeseen illness can lead to high financial catastrophe as well. A short term visitors medical insurance can provide a comprehensive temporary visitor health insurance or visitor medical insurance that protects you from the catastrophic costs of unexpected medical expenses.
The duration of a Short term visitors medical insurance is from thirty to three sixty-five days. However, the state of residency is a factor that needs consideration. The visitor insurance allows you to use your own doctors and hospitals. The temporary visitors insurance covers the physician services, X-rays, inpatient hospital stays, laboratory services, outpatient-inpatient hospital surgeries, post surgery nursing care and rehabilitation up to a duration of upper limit of around $2 million.
The Short term insurance or visitor health insurance offer coverage that can easily last up to six months. It is a good solution for people between jobs or those waiting for some other visitor health insurance or visitor medical insurance to start. Typically, temporary or short term visitors medical insurance does not include coverage for preventive care, physicals, immunization, dental or vision care. However, purchasing a short term visitors medical insurance plan will make you ineligible for any guaranteed individual health plans commonly referred to as HIPAA plans. These plans are generally expensive and are intended for people having a pre-existing medical condition. If you wish to maintain your eligibility for the HIPAA plans then you must not purchase the short-term visitors insurance.
If you are waiting for insurance coverage, switching jobs, have been laid off or are a seasonal employee or overseas student, then this short term visitor insurance is a very good option for you. All these conditions require the visitors insurance for a short time. That is why; you should purchase the short-time visitor medical insurance or any other visitor insurance. When you are in such situation, you will require an affordable insurance that can offer a peace of mind to your family members.
For people in transition, short term health insurance is the ticket. Short term health visitor insurance is usually bought in one-month increments. All you need to do is to read all the limitations and the exclusions that are specified on your policy form. You must clear all your doubts with the help of your agent. Taking your agent’s advice before you buy any insurance is a really good idea.
The short term visitors medical insurance works like an indemnity plan which usually gives you the freedom to go to any doctor or specialist that you want. However, most plans require pre-certification except in the time of emergencies. These pre-certification rules need you to get a pre-certification from the insurer before you are hospitalized. If you fail to pre-certify then you may not be covered by the insurance.
Surgery, hospital care, emergency, diagnostic tests, prescription drugs, follow-up office visits and yet some degree of mental health care is incorporated under most health policies even though they might come with certain sub-limits or special conditions.