Most Americans know about health insurance, and many have the luxury of even having health insurance but most people dont understand its limitations, or that there are even limitations which make the need for understanding why and when to use travel medical insurance and when to buy or have temporary health insurance or the need for Gap Health insurance or that there is even a difference between short term health insurance and temporary health insurance.



Temporary Health Insurance is not the same as short term health insurance.

Short term Health Plans are made for exactly that a Know amount of time, short being 30,60,90,180 days .

Temporary Medical Insurance fills a different need that short term health insurance, where as short term you know HOW LONG YOU NEED THE COVERAGE, a defined ammount of time. Temporary medical insurance is built to me more of a monthly plan, you pay each month until you know when your new plan starts and then you cancel your temporary medical insurance.

International Travel medical insurance is great to understand because many traditional plans do not cover you internationally or may call it out-of-network and give you reduced benefits. Travel medical insurance also includes other benefits like evacuation, lost pasport, translation and many other benefits a international traveler needs.

G.A.P Coverage is designed to pick up the slack where your traditional plan leaves off, like the deductible, co-pays and other items not covered by your insurance carrier like Wigs for cancer patients, traveling to a hospital with better facilities for your condition and a place for a loved one to stay while with you in your time of need.

Something most agents wont tell you is 90% of there customers never exceed their deductible, however they typically tell you or scare you into buying the lower deductible so they and the insurance company make more money.

So now that you have sampled the different falvors of health plans, please make sure that you are always protected by one as the #1 reason for bankruptcy in the US is because of Medical, dont be with out!