You may need Mississippi temporary health coverage for a variety of reasons. You could be between jobs or you may have only temporary or part-time employment. Mississippi temp health insurance is necessary while you are waiting for permanent health insurance to begin and it can be an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations generally do not provide services for temporary medical insurance. Mississippi temporary medical insurance providers usually allow the insured party to receive care from any licensed health provider, however.

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

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

2. Temporary health insurance in Mississippi is intended to provide coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. Temporary Maine health insurance is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, and is not required to be issued or renewed to all applicants.

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

Obtain quotes for Mississippi temporary health insurance policies

A variation in the cost of premiums exists between companies, but policy holders of Mississippi temp health insurance will pay a higher premium than for a long-term policy.

I recommend: Get quotes from multiple companies that provide MS temporary health insurance at the Legacy Insurance Agency. This insurer also provides some good guidelines on how to choose temporary health insurance.

Study the available types of Mississippi temporary health insurance plans

MS temporary health insurance may cover only certain groups or conditions. It is extremely helpful to know the intended purpose of a given policy before studying it in detail.

I recommend: Find a brief description of different temporary health insurance plans in Mississippi at the Mississippi Health Insurance Network. This site specializes in competitively priced policies.

Apply for personalized quotes on Mississippi temporary health insurance

You can get a more meaningful initial quote by providing some information about yourself when applying for temporary health insurance. Mississippi residents can use websites that will forward your application form to many Mississippi temporary health insurance providers.

I recommend: Complete the application form at Blue Cross Blue Shield of Mississippi. This provider also has an overview of the plan benefits on this page.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temp health insurance in Mississippi usually lasts for a maximum of six months, but you may be able to get a second policy so long as your total coverage does not exceed one year. This generally requires that you have not made any claims under the first policy and haven't experienced significant changes to your health.
• •  Look for any clauses in your policy covering disabilities beyond the stated termination date of the temporary medical insurance. Mississippi temporary health insurance policies often will pay for total disability until specific criteria have been met. These might include a treatment no longer being required, the expenditure of a fixed benefit amount or the elapse of a certain amount of time past the termination date. Many plans also will pay a fixed amount for partial disability after the termination of the policy.