When people think of health insurance, they think of regular health insurance, that covers accidental injury, doctors visits and emergency hospitalization. However, such health insurance is not always available. Perhaps you are switching from one job to another, or maybe you are employed part-time, or with a seasonal company that does not provide full health coverage, or you might be attending or just graduated from school. Under these conditions, the usual health insurance cover is sometimes not available. If you are unable to afford traditional health insurance, but would like some coverage in the case of an accident or emergency, then stop gap health insurance is the most suitable solution.

A health insurance gap can be bridged by a short term health cover policy, when conventional health cover does not, because of some unforeseen circumstances. The idea of stop gap health insurance is built into the name, it is a short term answer offering short term coverage, with the expectation that eventually, you will begin or continue traditional health insurance coverage. It is created for those who would like some coverage in case of an accident or injury and only covers emergency or serious medical expenses, such as x-rays, ambulance fees, intensive care, and a certain amount of hospital care. Though policies differ, these are usually standard in stop gap health insurance coverage. However, short term health insurance does not cover routine medical check-ups, nor do they cover current medical conditions. If you are looking for this sort of coverage, you should consider obtaining a conventional health insurance policy or look into other options.

The expense of having stop gap health insurance cover varies from company to company, you might have a monthly premium, ranging anywhere from $25 to $100, depending upon the plan's coverage and deductible, which often starts at $250 and can increase to $5,000. Most policies in these times also offer a generous pay out figure, which quite often is around one or two million dollars. Policies allow you to choose coverage for specific lengths of time, from one to six months, but almost no short-term policies will extend past one year.

How do you acquire stop gap health insurance? It is not as hard as it may seem. A simple Internet search will yield a number of companies that provide short term health insurance plans. Performing an online search will also give you the chance to compare different companies and different plans. Just be sure to research each of the policies carefully to know your maximum pay-out as well as deductibles, coverage, and other terms of the agreement.

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