There are several reasons why you might need South Dakota temporary health coverage such as having only part-time employment or being between jobs. South Dakota temp health insurance also necessary while you are waiting for standard health insurance to kick in. It is usually much less expensive than Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations do not provide care under temporary medical insurance. South Dakota generally allows temporary medical insurance to pay for care provided by any licensed health professional, however.

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

1. Gap coverage between standard policies is the intended purpose of temporary health insurance. South Dakota policy holders should plan to get standard health insurance at some point.

2. Unforeseen injuries and illnesses are generally covered by temporary medical insurance. South Dakota short-term health coverage often will not pay for preventative care or routine examinations, however.

3. The Health Insurance Portability and Accountability Act, or HIPAA, exempts temporary health insurance in South Dakota so these policies are not required to be issued or renewed.

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

Get general pricing information on South Dakota temporary health insurance policies

The costs of South Dakota temp health insurance premiums vary substantially, but they will almost always cost more than an equivalent long-term policy.

I recommend: Go to Great Plains Brokerage for quotes on SD temporary health insurance. This site also provides information on selecting temporary health insurance and has prices on many other types of insurance.

Examine the different types of temporary health insurance policies offered in South Dakota

SD temporary health insurance is commonly intended for specific groups or medical conditions. You should know what a given policy covers before studying it in detail.

I recommend: Find local South Dakota temporary medical insurance brokers at SecureInsuranceQuotes.com. This site also lists brokers in South Dakota for other types of insurance.

Get personalized quotes on temporary health insurance in South Dakota

Personalized quotes are more accurate because they based on personal information that you supply when you apply for temporary health insurance. South Dakota residents can use websites that will send your application to multiple South Dakota temporary health insurance providers.

I recommend: Enter your zip code at the South Dakota Health Insurance Network website and submit the brief application form. This plan finder is only intended for South Dakota residents.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temp health insurance in South Dakota is limited to six months per policy, and your total coverage may not exceed one year. In order to issue a second policy, the insurance company will consider several factors, including any claims that you made under the first policy and significant changes to your health.