COBRA Insurance - Alternatives to COBRA Insurance

Are you temporarily without health insurance?

COBRA insurance is often the most expensive health insurance available. The last thing most people need after leaving or losing their job is a health insurance bill that looks like a mortgage payment.

The best COBRA insurance alternative is a temporary health insurance plan. Coverage in 24 hours from an"A" rated company is guaranteed for up to 3 years. This is a $1 million dollar major medical plan.

Going withour health insurance puts you and your family at serious financial risk. You might be between jobs, self-employed, a student or a part-time worker. There are dozens of reasons why you might need temporary health insurance.

Although, we don't like to admit it, the quality of health care you receive without any health insurance is often not the finest. Often top health care providers and hospitals won't let you through the front door without proof of insurance.

A temporary major medical health insurance plan can be put into effect within 24 hours. The carrier we use is very highly rated (A.M. Best rating of "A") and the rates are much better than COBRA insurance. Some of the plan features are:

* Provides comprehensive Major Medical insurance protection
* Allows up to three years of coverage
* Is suited for individuals and families, or even child-only coverage
* Covers you in case of emergency
* Pays benefits up to $1,000,000 lifetime, per insured person
* Allows a choice of $250, $500, $1,000 or $2,500 deductibles
* Gives you the freedom to choose any doctor and hospital
* Offers an optional prescription drug discount program (not affiliated with Insurance Company)
* Makes it easy on your budget with several monthly payment options: check, money order, credit card, automatic bank withdrawal and direct bill

Short term health insurance provides all of the features you would expect in a major medical plan.

COBRA insurance should be taken in certain instances. If you:
- have had comprehensive benefits and don't mind paying more for them.
- want continual, guaranteed coverage at a higher cost.
- have had recent health problems.
- have had ongoing health problems.
- are taking expensive medications.
- have been declined for private insurance recently.
- have a history of medical problems.
- have had an accident within the 60 day window of enrollment.
- are pregnant or planning to get that way.

COBRA insurance rates are available from the health plan administrator where you work. If you would like a more permanent plan, give us a call.

Instant Quote/Apply Online

Temporary health insurance quotes and online applications are available in the following states Click on your state for a quote and/or online application.

How This Temporary Health Insurance Plan Works

This is a completely new kind of temporary health insurance plan. You will be issued a certificate of insurance for a 12 month coverage period. You can pay your premium monthly or by automatic bank withdrawal, MasterCard, Visa or Discover. When your period is almost over you will receive an application for another 12 months. You are guaranteed renewal regardless of your health for three full years. However, you can discontinue the plan at any time if you like.

PLEASE NOTE: There are plenty of 3 - 6 month temporary health insurance plans out there. Here's the rub. If you develop an uninsurable problem while on these plans, you are finished You can renew them or get any other health insurance. With a 3 year plan, you are guaranteed 3 full years of coverage. Plus, you can get on a government mandated guaranteed issue plans known as HIPPA after the three years are up.