You may need temporary health insurance for several different reasons, including unemployment or having a temporary or part-time job. Kansas 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. Kansas policy holders normally can receive care from any licensed health care provider.

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

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

2. Kansas temporary medical insurance will usually cover unexpected illness and injury but will probably not pay for preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act, or HIPAA, exempts temporary Kansas 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

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. Kansas temporary health insurance 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 be required. Many plans also will provide a fixed benefit for partial disability after the termination of the policy.
• Temp health insurance in Kansas generally has a maximum term of six months, but you can often get approved for a second policy, although your total coverage for all plans can not exceed one year.