Illinois and Temporary Health Insurance – What are My Best Options?

August 21, 2011 Category: Health, Short Term Health

There are some situations in life where you need health insurance coverage, but a long term plan is not necessary. As a convenience, temporary health insurance is available which is designed to bridge gaps in coverage for individuals and families in times of transition. Finding quality short term health insurance in Illinois can be tricky, which is why you benefit from choosing an insurance provider that is trustworthy and reliable with a proven track record of providing excellent coverage to Illinois residents just like you.

Why Temporary Insurance?

There are several reasons why temporary health insurance may be right for you. As a recent college graduate, you may not have found a job and are no longer covered on your parents plan. Or, maybe you are about to retire at age 64, which makes you too young to be eligible for Medicare. In still other cases, you may be between jobs and are uninsured or waiting for benefits to begin at a new job. In all of these situations, temporary health insurance is any easy way to make certain you are covered medically.

Choose a Trustworthy, Reliable Insurance Provider

Nothing is quite as important as your health- particularly during transition times when you may be thinking more about the future than the present. However, these are the times when it is more important than ever to choose a trustworthy, reliable insurance provider that you can depend on in the event you have an accident or get sick and need medical coverage.

Blue Cross Blue Shield of Illinois makes temporary health insurance worry free by providing you with the tools to make the decisions that are right for your particular situation. Life changes quickly and having a temporary health insurance plan that gives you flexibility is critical. Whether you need coverage for one month or six, Blue Cross Blue Shield lets you customize your own terms. You decide when you want coverage to begin, how long you need it for and even how much your deductible will be.

Blue Cross Blue Shield of Illinois : SelecTEMP

What’s Covered

SelecTEMP ensures that you are covered for major hospital, medical and surgical expenses that are the result of accident or sickness. This includes daily room and board, anesthesia, in-hospital medical services and even out-of-hospital care. In addition, diagnostic services, emergency care, office visits, prescription drug coverage and even physical, occupational and speech therapy are covered. As an added benefit, you always have the freedom of not having to select a primary care doctor or obtain a referral to see a specialist. For a short term solution, SelecTEMP goes above and beyond. In fact, some maintenance medications can even be delivered directly to your door!

Costs

As far as costs are concerned, the selecTEMP plan from Blue Cross Blue Shield of Illinois makes it easy to customize your temporary insurance to meet your unique financial situation. Individual deductibles range from $500 to $5000 with a 20% coinsurance for services provided in network, after deductible and copayment is met.

Health coverage is an important decision-even short term. Consider choosing a reliable company like Blue Cross Blue Shield of Illinois for your temporary health insurance. With SelecTEMP, you can customize your health coverage to meet your financial situation and rest assured that you are protected with a dependable, trustworthy name like Blue Cross Blue Shield behind you.