You may need temporary health insurance for several different reasons, including unemployment or having a temporary or part time job. Hawaii short-term medical insurance also is necessary while you are waiting for long-term health insurance to kick in and 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. Hawaii policy holders normally can receive care from any health care provider licensed to practice in the United States, however.

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

1. Gap coverage between long-term policies is the intended purpose of temporary health insurance. Hawaii short-term medical insurance should be replaced by permanent insurance eventually.

2. Hawaii temporary health coverage primarily pays for unexpected illness and injury but generally will not cover preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act, or HIPAA, exempts temporary health insurance. Hawaii carriers do not have to guarantee an issue or renewal and are not required to waive the restriction on pre-existing conditions.

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

Acquire general pricing information on Hawaii temp health insurance policies

Coverage rates vary widely, but policy holders with Hawaii temp health insurance generally pay a much higher premium than those with permanent coverage.

I recommend: Get quotes from Hawaii Pacific Health. This is a nonprofit health care organization that provides HI temporary health insurance.

Examine the types of available temp health insurance in Hawaii

HI temporary health insurance is often intended only for a specific group or medical condition. It is helpful to understand the purpose of a given policy before reviewing the details of a policy.

I recommend: Submit your contact information to have Aloha Insurance Services contact you directly to discuss its Hawaii temporary health insurance plans.

Locate customized quotes for temporary health insurance in Hawaii

Your quote is more meaningful when it is based on personal information provided on your application for Hawaii temporary medical insurance. Fill out the forms on a website that will forward your application to multiple Hawaii temporary medical insurance providers to get customized quotes.

I recommend: Enter your zip code at Health Insurance Sort and fill out the form to receive a comparison of rates between multiple Hawaii temporary health insurance providers.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Check for provisions that will extend your coverage beyond the termination date of temporary medical insurance. Hawaii temporary health care plans frequently cover total disabilities until the treatment is no longer required, the maximum benefit has been paid or a certain date beyond the plan's termination date has been reached. Many plans also provide a fixed benefit for follow-up care after the termination date.