short term hospitalization coverage - Chicagoland Sportbikes
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post #1 of 15 (permalink) Old 04-16-2007, 02:25 PM Thread Starter
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short term hospitalization coverage

Im switching jobs, and need to get some insurance to get me through until the new plan kicks in. I was told you can get short term insurance for hospitalization coverage. It's only like $50 or $60 a month (from what i was told) any suggestions?

Cobra is what I am looking at right now, but I think it's like $400 a month.

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post #2 of 15 (permalink) Old 04-16-2007, 02:28 PM
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I've never heard of anything short term, immediate coverage (no eligibility probationary period) for that little that actually covers anything.

Cobra extends what you had already in place.

How long does it have to last? 30/60/90 days?

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post #3 of 15 (permalink) Old 04-16-2007, 02:31 PM Thread Starter
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Quote:
Originally Posted by Arch View Post
I've never heard of anything short term, immediate coverage (no eligibility probationary period) for that little that actually covers anything.

Cobra extends what you had already in place.

How long does it have to last? 30/60/90 days?
60 days is what my offer letter states. I currently have insurance. If there is a probationary period, I might as well just stick it out with cobra...

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post #4 of 15 (permalink) Old 04-16-2007, 02:37 PM
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Quote:
Originally Posted by clearwaterms View Post
60 days is what my offer letter states. I currently have insurance. If there is a probationary period, I might as well just stick it out with cobra...
If the coverage you have right now works for you, I *SERIOUSLY* doubt you will do better just snagging something cheap and quick that would be effective immediately.

We all have different ways of looking at insurance and needs from it. My opinion is coming from having a wife and 4 kids to take care of. Your own needs may obviously be different.

Personally, I'd continue what I have out (if it works for you). Part of your hire could/should have been to cover that Cobra cost until your new employer provider insurance kicks in.

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Last edited by Arch; 04-16-2007 at 02:39 PM.
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post #5 of 15 (permalink) Old 04-16-2007, 02:37 PM
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I once bougt a major medical plan (6 months) to cover me between jobs. I think it was around $150, but that was about 4 years ago, when med insurance just started to go through the roof.
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post #6 of 15 (permalink) Old 04-16-2007, 02:38 PM
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We used to sell those plans years ago. They don't cover any pre-existing conditions and are underwritten at the time of a claim. They are much better than nothing, but "real" coverage for a few bucks more is probably a better choice.

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post #7 of 15 (permalink) Old 04-16-2007, 02:39 PM
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Agree, CObra extends you current coverage with NO BS.


A lower cost plan could be found.... probably more BS.



60 days..... not so bad.


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post #8 of 15 (permalink) Old 04-16-2007, 02:39 PM
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Unicare. Go to their site and get a phone # to call. I used them when I was out of work. Very fair rates with good coverage. The folks on the phone didn't try to push their deluxe package either, just tell them what you feel you need and they will match up your needs and a plan.

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Last edited by under200; 04-16-2007 at 02:54 PM.
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post #9 of 15 (permalink) Old 04-16-2007, 02:41 PM
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I roll with Blue Cross Blue Shield. $100 a month, $2,500 deductible.

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post #10 of 15 (permalink) Old 04-16-2007, 02:43 PM
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Who can you call for short/long term disability coverage? I had an Aflac type plan at my old job, but this place doesn't offer it.
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post #11 of 15 (permalink) Old 04-16-2007, 02:44 PM Thread Starter
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Quote:
Originally Posted by Blade Runner View Post
We used to sell those plans years ago. They don't cover any pre-existing conditions and are underwritten at the time of a claim. They are much better than nothing, but "real" coverage for a few bucks more is probably a better choice.
i have no pre existing conditions. I only need something to cover me in case I end up the in hospital. I have used my existing health care exactly ONCE in the last 4 years. But I know that murphys law states the second I go coverage less, is the same time when I end up needing my appendix taken out, or something crazy.

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post #12 of 15 (permalink) Old 04-17-2007, 09:20 AM Thread Starter
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just to give everybody a heads up. I found a health insurance package that is $109 for 60 days. it's a $1,000 deductable, and then an 80/20 up to 10,000 with a total coverage of $2 million. My country companies guy is able to sell it to me.

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post #13 of 15 (permalink) Old 04-17-2007, 05:12 PM
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Yep, that is the type of plan I've sold in the past. As long as you know you can't be dinked on a pre-x and will be able to secure permanent coverage before it runs out it is a cheap band-aide.

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post #14 of 15 (permalink) Old 04-17-2007, 06:02 PM
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post #15 of 15 (permalink) Old 04-17-2007, 07:41 PM
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Quote:
Originally Posted by clearwaterms View Post
i have no pre existing conditions. I only need something to cover me in case I end up the in hospital. I have used my existing health care exactly ONCE in the last 4 years. But I know that murphys law states the second I go coverage less, is the same time when I end up needing my appendix taken out, or something crazy.
If that's how often you use your insurance, another thing you may want to look into is a high deductible HSA (health savings account). It's kind of like a medical IRA. They normally go along with high deductible plans that are lower cost, and what happens is that you make a contribution (normally tax deductible) into a special account. That account is used to pay deductibles. If you have money left over at the end of the year, it carries forward. If you leave your job, you can carry the account with you to your next HSA.

You will want to review the plan itself (because typically the deductible applies cumulatively to office visits too, although plans may encourage preventive care by offering one free physical per year) and your tax situation to see if it is of advantage to you.

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