You may need temporary health insurance for several different reasons including unemployment or having a temporary or part-time job. Wyoming short term medical insurance also is necessary while you are waiting for long-term health insurance to kick in and it provides an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Preferred provider organizations and health maintenance organizations generally do not provide services for temporary medical insurance. Wyoming policy holders normally can receive care from any licensed health care provider, however.

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

1. Gap coverage between long-term policies is the intended purpose of temporary health insurance. Wyoming short term medical insurance should be replaced by permanent insurance at some point in the future.

2. Wyoming temporary health coverage will usually cover unexpected illness and injury but will probably not pay for preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act (HIPAA) exempts temporary Wyoming health insurance and it is not required to be issued or renewed to any applicant. Carriers of this type of insurance also have the option of refusing applicants based on a pre-existing condition.

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

Acquire general pricing information on Wyoming temp health insurance policies

There is a large difference in premiums, but Wyoming temp health insurance will almost certainly cost much more than a long-term policy.

I recommend: Get prices from multiple WY temporary health insurance companies at Big Mountain Insurance Agency. Contact this company directly for an insurance consultation.

Examine the different types of available temp health insurance in Wyoming

WY temporary health insurance plans are often intended for a specific group or medical condition. It's a good idea to understand the purpose of a given policy before reviewing the details of a policy.

I recommend: Go to Blue Cross Blue Shield of Wyoming to find plan summaries for temporary health insurance. Wyoming has affordable health plans listed on this site.

Get personalized quotes for temporary health insurance in Wyoming

Your quote is more meaningful when it is based on personal information provided on your application for Wyoming temporary medical insurance. There are a number of websites that will forward your application to multiple Wyoming temporary health insurance providers.

I recommend: Complete the short application form at Tegeler and Associates, who will contact you directly to provide a quote.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review any policy you are considering for clauses that extend coverage beyond the termination date of the temporary medical insurance. Wyoming temporary health insurance policies will frequently continue coverage for total disability until certain conditions have been met. Many plans will also provide a fixed benefit for partial disability after the termination of the policy.