There are several reasons why you might need Utah temporary health coverage, such as having only part-time employment or being between jobs. Utah temp health insurance also is 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. Utah 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 Utah:

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

2. Unforeseen injuries and illnesses are generally covered by temporary medical insurance. Utah 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 Utah so these policies are not required to be issued or renewed. An applicant also may be denied because of a pre-existing condition.

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

Seek general pricing information on Utah temporary health insurance policies

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

I recommend: Go to Sentry West Insurance Services for quotes on UT temporary health insurance plans. This insurance agency also is licensed to sell health insurance in Idaho and Oregon.

Study the types of Utah temporary health insurance policies

UT temporary health insurance is commonly intended for specific groups or medical conditions. You will need to know a given policy's intended policy before studying it in detail.

I recommend: Compare UT temporary medical insurance plans by major insurers at Health Insurance Sort. This site also provides health insurance information that is specific to Utah.

Obtain personalized quotes on temporary health insurance with your zip code

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

I recommend: Select one of the plan types and enter your zip code at HealthInsuranceInUtah.com and submit the brief application form. It will be forwarded to individual carriers that provide health insurance in Utah, including Altius, Humana One and Select Health.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temp health insurance in Utah 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.