You might need Arizona temporary health coverage for several reasons, including unemployment or employment that is only part time or temporary. Arizona temp medical insurance is also needed if you are waiting for standard health insurance to begin and it is less expensive than Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) generally do not service policy holders of short term health insurance. Arizona usually requires that workers with temporary health insurance receive care from any licensed health provider.

It is important to keep the following three points in mind when you are thinking about buying temporary health insurance:

1. The primary intent of Arizona short term health insurance in Arizona is gap coverage between long-term policies. Policy holders with temporary health insurance should plan on getting coverage under a long-term policy at some definite point in the future.

2. Temporary medical insurance in Arizona will generally cover unforeseen injuries or illness but probably will not cover preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act (HIPAA) provides an exemption temporary health insurance in Arizona. Carriers for these policies do not need to issue or renew policies.

Action Steps
The best contacts and resources to help you get it done

Gather prices on general premiums for a variety of Arizona temporary health insurance policies

Premiums between companies vary widely but Arizona temp health insurance generally costs significantly more than an equivalent long term policy.

I recommend: Go to shoppeinsurance.com to find premiums from many companies that provide AZ temporary health insurance. This site has guidelines on choosing temporary health insurance.

Examine the different types of Arizona temporary health insurance policies that are available

AZ temporary health insurance may only cover certain groups of people or medical conditions. You will want to know a policy's intended purpose before you begin studying it in detail.

I recommend: Find summaries of different Arizona temporary medical insurance at Health Insurance Specialists, Inc. They specialize in providing health insurance in Arizona.

Find quotes for temporary health insurance in Arizona that are customized by your location in Arizon

Premium quotes are more meaningful when they are based on personal information that you supply when applying for short term health insurance. Arizona has many websites that will distribute your application to multiple health insurance companies.

I recommend: Enter your zip code at AZ Health Insurance Network and submit it. You will then be directed to the plan finder which will locate plans that fit your criteria.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  While temporary medical insurance in Arizona generally has a maximum term of six months, you will frequently be able to obtain a second policy if you didn't make any claims under the first policy and there haven't been significant changes to your health. The total coverage for all Arizona temporary health insurance plans may not exceed one year.