Reader’s Question:

I got dropped from my parents’ health insurance coverage in Nevada. I am expecting to get my own health insurance coverage this year. Is there something I can do to get protected while waiting for my health insurance plan?

Karen

Las Vegas, NV

There is absolutely something for you, Karen.

You might want to have a temporary insurance policy or otherwise called short-term health insurance policy in Nevada. This is an insurance policy which offers protection from medical expenses through short lapses in health insurance coverage. This can cover up to 12 months or less. It is really impossible to find one that covers up to 36 months. A short-term health insurance policy is ideal for healthy people who are going through some kind of transition like college students who just graduated and waiting for health insurance benefits from their first job. For one to be qualified, it needs to be established that you are ‘healthy’, meaning that your insurer makes sure that you are not likely to claim as much for the duration of the short-term policy, that is within up to 12 months or less, depending on the term.

Short term health insurance policies can be cheaper than the regular health insurance policy as the coverage term is only temporary. This can also be good options for those who are in between jobs, or those who need medical protection while the health insurance plan applied is not yet granted. You never run out of choices for popular insurers who offer short term health insurance polices. You can start shopping online too for some free quotes!