Millions of Americans are without health insurance. They may not have access to an employer sponsored group plan, are between jobs, or just starting school. They have found traditional major medical insurance purchased on their own is too expensive, or unavailable due to their health status.  Not having health insurance can be financially devastating if a catastrophic illness or injury occurs

Here are some alternatives.

If you are between jobs and need coverage for a limited period of time, consider a short-term medical policy. Short term medical provides coverage for major medical expenses and can be purchased for as few as 30 days or as long as 12 months. You may choose between different deductibles and coinsurance amounts. There are monthly payment options and a single payment option.

If you are attending college, and do not have coverage, there are student insurance plans available. They are designed for college students under the age of 30, and are available to all undergraduates taking 9 or more college credits or to full time graduate students as defined by the state accredited college or university. No physical examination is required and no medical questions to answer. However, these plans usually do not cover injuries and illnesses that exist at the time the student policy becomes effective. 

Finally, there are insurance plans that provide limited benefits for accidents, illnesses or hospital confinements. These plans cost less than conventional insurance, and consequently provide correspondingly fewer benefits. For example, they may cover a specific daily dollar amount when you are hospitalized, or a percentage of expenses up to specified maximums for other services such as outpatient hospital or surgery. Some plans offer optional benefits for critical illnesses or accidents. It is important to know exactly what you are purchasing when considering a limited benefit plan and to be aware that these plans do not cover all costs for medical problems. They are designed to provide an option if you can’t afford traditional coverage.  

AAA Insurance Agency is a full service personal lines insurance brokerage.  For
More information about Life & Health insurance plans call 800-333-4242.