Nearly 65? Save Money with Short Term Health Insurance
St Louis, MO (PRWEB) January 20, 2006
Wavehelp.com, the unique online seller of short term medical insurance, is helping individuals aged 64 to save money using temporary health insurance. As a special bonus, for every policy purchased through the Wavehelp.com web site, a chartable donation will be made to aid victims of large water inundations.
Persons over 64 but not yet 65 can save on health insurance costs by purchasing short term medical coverage until Medicare begins. Medicare is required to accept individuals having any medical condition effective the first day of the month in which they turn age 65. Many individuals not yet qualifying for Medicare can save money with temporary health insurance during that last year before Medicare.
Typically, temporary medical coverage is used as a bridge from one health insurance plan to another, such as when a person leaves one job and has not yet qualified for the group plan at a new employer or when a person “graduates” from their parent’s plan but is not yet employed. Individuals approaching Medicare age, transitioning from their present permanent health coverage to the permanent health coverage provided under Medicare, can save by switching to a short term (less than one-year) health insurance plan. For most, the cost of coverage under a short term policy is substantially less than the cost of regular permanent coverage.
It’s not for everyone. Short term plans can only be in force for six months up to one year, depending on the state of residency. Those who have pre-existing conditions will not have coverage for those conditions under a short term plan. However, if there are no pre-existing conditions at the time of enrollment or if pre-existing conditions are minor and inexpensive, the savings can be great.
For additional information on short term medical insurance, to determine eligibility, or to get a quote with no cost or obligation visit http://www.wavehelp.com.
About Wavehelp.com:
Wavehelp.com was developed by Insurance Executive Wayne Mosher in 2005 to aid to the victims of the tsunami that hit southern Asia on December 26, 2004. Since then, its reach has been expanded because of other examples of nature’s wrath including the hurricanes that hit the southern coastal regions of the United States in 2005.
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