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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Should I Buy Temporary Health Insurance?

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Question: My daughter will finish her MBA in Ohio, and plans to stay from October to December (3 months),in CALIFORNIA,and maybe extend the residence for a longer period. We would like us to suggest what health insurance she should take and the cost.

Answer: A three month stay in another state would seem to be the typical situation for short-term or temporary health insurance. Qualified applicants can get instant approval and can be insured as early as tomorrow. Short Term health insurance covers many medical services including: in-patient hospital services, outpatient surgeries, prescription drugs, x-ray and lab services. However, one of the caveats of buying short-term insurance is that preexisting conditions are not covered, nor are routine office visits or preventive care. Temporary insurance is for illness or accident only.

If your daughter is currently insured, there is probably no need to make a change in her medical insurance coverage. Her current policy will cover her while she's in California. Note that if she has HMO coverage, she'd be covered for emergencies only while out of her local network.

If she's currently uninsured, I'd suggest getting health insurance quotes for regular individual health insurance. The coverage is better than short-term health insurance, even though it costs is a little more. Then she can keep it if she extends her stay for a longer period of time.

1 Comment

What is really the purpose of temporary health insurance?

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