| SHORT TERM MEDICAL INSURANCE is easy to purchase in most states. This is
usually much less expensive than COBRA but it does not cover the expense for
any pre-existing medical condition. It would not be appropriate, for
example, if you were pregnant. Most of these policies today are purchased
directly on the Internet. www.MedSave.com offers short term medical
coverage to residents of 46 U.S. states and foreign countries. Despite the
name short term, you can usually re-apply for this insurance when it
expires and thereby continue to do this for as long as you need it. |
| Insurance companies are the direct cause of skyrocketing charges in the
medical industry. I found this out several decades ago when I was told that
if I had insurance, the charges were automatically doubled. One set of fees
for the cash-paying consumer, another set of fees for the insured customer. |
|
1. Short term medical insurance (STM) is usually the least expensive type
of health insurance because it does not cover any pre-existing medical
conditions. Pre-existing condition is usually defined as something that
would be found in your medical records prior to the start of the policy.
STM is typically priced at about 1/2 the cost of regular medical insurance.
The premium price is based on age, and location so actual savings will
vary. |
|
I offer a national healthcare program that offers you access to
reduced rates of up to 80% on your medical care. Providers include
physicians, specialists, hospitals, surgical centers, diagnostic
services, dentists, vision centers, pharmacies, chiropractors, hearing
centers and much more. |
| SMALL BUSINESSES are exempt from COBRA, meaning that they do not offer the
option of medical benefits to an ex-employee. Some companies continue to
offer ex-employees medical benefits by simply not informing the insurance
company of the termination. Be careful, this can backfire. Most small
group medical pans do not allow coverage for ex-employees. |
