You may need temporary health insurance for several different reasons, including unemployment or having a temporary or part-time job. Indiana short term medical insurance also is necessary while you are waiting for long-term health insurance to kick in. It provides an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Preferred provider organizations and health maintenance organizations generally do not provide services for temporary medical insurance. Indiana policy holders can receive care from any licensed health care provider, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Indiana:

1. Gap coverage between long-term policies is the intended purpose of temporary health insurance. Indiana short-term medical insurance should be replaced by permanent insurance at some point in the future.

2. Indiana temporary medical insurance usually will cover unexpected illness and injury but probably will not pay for preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act, or HIPAA, exempts temporary Indiana health insurance and it is not required to be issued or renewed to any applicant. Carriers of this type of insurance also have the option of refusing applicants based on a pre-existing condition.

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

Acquire general pricing information on Indiana temp health insurance policies

A large difference in the cost of premiums exists, but Indiana temp health insurance will almost certainly cost more than a long-term policy.

I recommend: Get estimates on prices for different IN temporary health insurance plans at Kasper Insurance. This site will have additional details on choosing a temporary health insurance.

Look at the available types of Indiana temporary health coverage

IN temporary health insurance plans are often intended for a specific group or medical condition. It's a good idea to understand the purpose of a given policy before reviewing the details of a policy.

I recommend: Find plan summaries for Indiana temporary health insurance at BC Health Insurance. They have a competitively priced six-month plan that is also available in Michigan and Ohio.

Locate quotes for temporary health insurance in Indiana that have been customized for you

Your quote is more meaningful when it is based on personal information provided on your application for temporary health insurance. Indiana can take advantage of several websites that will forward your application to multiple Indiana temporary health insurance providers.

I recommend: Enter your zip code and complete the short application form at Medplan Access. You will receive quotes for plans from different Indiana temporary medical insurance providers.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review your policies for any clauses that provide coverage past the stated termination date of the temporary medical insurance. Indiana temporary health insurance policies frequently will continue paying for total disability until a certain condition has been met. These conditions might include spending a fixed benefit amount, reaching a certain time past the termination date or if the treatment is no longer required. Many plans also will provide a fixed benefit for partial disability after the termination of the policy.
• •  While temp health insurance in Indiana generally has a maximum term of six months, you will frequently be able to obtain a second policy if you didn't make any claims under the first policy, there haven't been significant changes to your health and your total coverage for all plans does not exceed one year.