Last time, I discussed the importance of short-term health insurance to people who are between jobs. But there are many others who can benefit from bridge insurance even if it is not a job change situation.

For example, some people are seeking to insure their child or children only (not insuring the adult family members) and want an inexpensive health insurance plan. Short term health insurance can be just the solution. You might ask, "Why would parents want a health policy that covers only their children?" Well, sometimes the group plan at work is a real bargain for the employees but is structured so that it is quite expensive for the dependents. In that case, private medical insurance can be appropriate. Or, if there is no group plan available and money is tight, parents might need to make the tough decision to insure just their children in order to stay within their budget.

Self employed persons or owners of small businesses frequently find temporary health insurance plans attractive. They may not have enough employees to qualify for a group medical plan but they need to save money. Short-term medical insurance can fill the need by providing excellent health coverage at a lower price.

Another kind of business is that which uses contract associates. Perhaps the business is cyclical and only needs help seasonally. Or, the business leader prefers the flexibility of using part-timers and cannot qualify for a group plan. Either way, temporary medical insurance can provide the coverage to the workers and save money at the same time.

What if timing is an issue. Perhaps you know that conventional health insurance can take a month or longer to issue. Short term health insurance is available as early as tomorrow morning - no waiting.

More details are available at http://www.wavehelp.com/short-term-medical-coverage.htm

Everyone has a life-long need for medical insurance because no one knows when they will need care. Since it is not possible to predict exactly WHEN we will need care, the smart thing to do is to ALWAYS have health insurance coverage. Temporary health insurance can help.

The majority of Americans receive their health insurance coverage through a group medical plan at work. If they make a smooth transition from one employer with a group health plan to another employer with a group plan, they will be continuously covered. But, what if they have a gap in employment? COBRA is a federal law requiring large employers to offer to departing employees the right to keep their coverage under the group plan after they leave. Such employees need to pay the employer THE FULL COST of the plan plus an optional administrative charge. Usually this is much more expensive for the employee because the employer-paid portion is not paid by the former employer any more. Many people in this situation do not know that they have another option - Short Term Health Insurance or Bridge Insurance. Usually, it is much less expensive than the full premium cost of a group plan (under COBRA) even though the coverage is very broad.

If you are between jobs, I urge you to check it out. You can read more at http://www.wavehelp.com/short-term-medical-cobra.htm

You can get a no-obligation quote at http://www.wavehelp.com/free-quote.htm