You may need temporary health insurance in Delaware for several different reasons, including unemployment or having a temporary or part-time job. Delaware short-term medical insurance also is necessary while you are waiting for long-term health insurance to kick in. It provides an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Preferred provider organizations and health maintenance organizations generally do not provide services for temporary medical insurance. Delaware policy holders can receive care from any licensed health care provider, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Delaware:

1. Gap coverage between long-term policies is the intended purpose of temporary health insurance. Delaware short term medical insurance should be replaced by permanent insurance at some point in the future.

2. Delaware temporary health coverage will usually pay for unexpected illness and injury but will probably not cover for preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act (HIPAA) exempts temporary Delaware health insurance and it is not required to be issued or renewed to any applicant. Carriers of this type of insurance also have the option of refusing applicants based on a pre-existing condition.

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

Get general pricing information on Delaware temp health insurance policies

While there is a large difference in the cost of premiums for temporary health insurance, Delaware policies will almost certainly cost much more than a long-term policy.

I recommend: Get prices from multiple DE temporary health insurance companies at the Delaware Health Insurance Network. This site will have additional details on choosing a temporary health insurance.

Peruse the available types of Delaware temp health insurance policies

DE temporary health insurance policies are often intended for a specific group or medical condition. It's a good idea to understand the purpose of a given policy before reviewing the details of that policy.

I recommend: Find plan summaries for Delaware temporary health insurance at the Drake Insurance Agency. It specializes in providing second opinions on current health plans and uninsured clients.

Seek quotes for temporary health insurance in Delaware that have been customized for you

Your quote is more meaningful when it is based on personal information provided on your application for Delaware temporary medical insurance. Some websites will forward your application to multiple Delaware temporary health insurance providers.

I recommend: Enter your zip code at MedHealthInsurance.com and complete the short application form. It will be sent to individual carriers who will send their quote to you.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review your policies for any clauses that provide coverage past the stated termination date of the temporary medical insurance. Delaware policies will frequently continue paying for total disability until a certain condition has been met. These conditions might include spending a fixed benefit amount, reaching a certain time past the termination date or the treatment may no longer required. Many plans also will provide a fixed benefit for partial disability after the termination of the policy.