Temporary health insurance in Alabama can serve a variety of purposes. A worker may be between jobs or have temporary or part time employment. Alabama short-term health insurance is also needed while you are waiting for permanent health insurance to kick in and it can also provide an affordable alternative to Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Preferred Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) do not typically service temporary medical insurance in Alabama. These policies usually allow the insured party to receive care from any licensed health provider.

1. Alabama temporary medical insurance plans are primarily intended to provide gap coverage between long-term policies. These policyholders will need to obtain standard health insurance at some point.

2. Temporary health insurance in Alabama provides coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. Alabama short term medical insurance is exempt from the Health Insurance Portability and Accountability Act (HIPAA). Health insurance companies are also not required to waive any restrictions on pre-existing conditions.

Action Steps
The best contacts and resources to help you get it done

Gather quotes for Alabama temporary health insurance plans

There is a wide variation in premiums between companies but policyholders of Alabama temp health insurance will pay a higher premium than for a long-term policy.

I recommend: Go to Alabama Health Insurance to get quotes from multiple companies. This site also provides guidelines on how to choose temporary health insurance.

Examine the types of Alabama temporary medical insurance that are available

AL temporary health insurance may only cover certain groups of people or conditions. You will want to know the intended purpose of a given policy before studying it in detail.

I recommend: Blue Cross Blue Shield of Alabama is the largest health care provider in Alabama. Their Blue Link plan is a temporary PPO for individuals that need coverage for up to six months.

Solicit quotes for temporary health insurance based on personal information and location

Your quote will be more accurate when it is based on specific information about yourself. There are many websites that can forward a single application form to many health insurance companies.

I recommend: Go to Simply Short Term Insurance and click on the button labeled "Get Quote Now" next to the temporary health insurance plan in Alabama you are interested in. Complete the short application form and they will respond with a quote or reject your application.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review your policies for any clauses that would extend your coverage beyond the policy's termination date. Al temporary health insurance may cover total disabilities. These criteria may include reaching a payment cap, a certain date beyond the termination or when treatment is no longer required. Many plans will also pay a fixed benefit for partial disability after the coverage ends.