Michigan short term medical insurance can serve a variety of purposes such as coverage for temporary or part-time employment. Temporary Michigan health insurance also is an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance. Temporary insurance also is necessary while you are waiting for permanent health insurance to begin.

Michigan temporary medical insurance providers usually allow the insured party to receive care from health provider licensed to practice in the United States. Health maintenance organizations and preferred provider organizations generally do not provide services for temporary medical insurance.

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

1. Gap coverage between standard policies is the primary intent of short-term temporary health insurance. Michigan employees with temporary health insurance should expect to obtain long-term health insurance in the future.

2. Michigan short-term health insurance is intended to provide coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. The Health Insurance Portability and Accountability Act, or HIPAA, exempts temporary health insurance in Michigan so carriers are not required to issue or renew these policies.

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

Seek general pricing information for Michigan short-term health insurance policies

The cost of premiums vary a great deal between companies, but Michigan temp health insurance will cost more than an equivalent long-term policy.

I recommend: Get prices from multiple companies that provide MI temporary health insurance at MedHealthInsurance.com. This site also provides guidance on how to choose temporary health insurance.

Examine the available types of Michigan temporary health insurance policies

MI temporary health insurance frequently applies only to certain groups or conditions. Know the intended purpose of a given policy before spending the time to study it in detail.

I recommend: Read the plan provided by Wornhoff Insurance Services. This insurer sells Michigan temporary medical insurance provided by Fortis and also is licensed to sell insurance in Indiana and Illinois.

Apply for customized quotes on temporary health insurance based on your location

Your initial quote will be more accurate if you provide some information about yourself when applying for temporary health insurance in Michigan. Residents of Michigan can take advantage of websites that will forward your application form to many health insurance companies.

I recommend: Enter your zip code at Rick Young Insurance and complete the application form. It will be sent to the individual carriers who will then respond with a quote or deny your application.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review prospective policies for coverage that extends past the termination date of the temporary medical insurance. Michigan temporary health insurance coverage plans often will pay for a total disability until other conditions have been met. This can include reaching a certain time past the termination date, continuing treatment until it is no longer required or paying a maximum benefit amount. Many plans also will provide a fixed benefit for partial disability after the termination of the policy.