Workers may need Vermont temporary health insurance coverage for a variety of reasons. They could be between jobs or they may be limited to temporary or part-time employment. Vermont short term health insurance is necessary while workers are waiting for permanent health insurance to begin. Temporary health insurance is an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations in Vermont generally do not provide services for short-term health insurance. Vermont usually allows 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:

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

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

3. Temporary health insurance is exempt from the Health Insurance Portability and Accountability Act, or HIPAA, so these carriers are not required to issue or renew policies.

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

Get temporary health insurance quotes in Vermont

Policy holders of Vermont temp health insurance will pay a higher premium for short-term health insurance than for a long-term policy. Compare quotes before buying.

I recommend: Get quotes from multiple companies that provide VT temporary health insurance at AffordableMedicalDental.com. This site specializes in plans that offer low premiums.

Examine the types of Vermont temporary health insurance plans available

VT temporary health insurance may cover only certain groups or conditions. Know what a policy covers before studying it in detail.

I recommend: Find a brief description of different temporary health insurance plans plans in Vermont at ServGlobe. This site specializes in competitively priced policies and is licensed to do business in several states.

Apply for personalized quotes on temporary health insurance with your zip code

You can get a more specific quote when you provide some basic information about yourself. Many websites will send your application form to multiple carriers in Vermont.

I recommend: Enter your zip code on Blue Cross Blue Shield of Vermont and complete the application form. It will be sent to the individual carriers. They will respond with a quote or reject your application.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temporary health insurance in Vermont generally has a maximum term of 6 months. However, you will frequently be able to obtain a second policy if you didn't make any claims under the first policy and your health hasn't changed significantly. The total length of your coverage for all plans may not exceed one year.
• •  Review prospective policies for a provision that would extend your coverage beyond the stated expiration date of any temporary health insurance in Vermont. These plans will often cover total disabilities until other conditions have been satisfied. These can include paying for treatment until it's no longer required, a maximum benefit has been reach or a certain amount of time has elapsed beyond the termination date. Many plans also will provide a fixed benefit for partial disability after the policy expires.