Massachusetts temporary medical insurance plans may be necessary for workers for a variety of reasons. They may be between jobs or temporarily employed or have only part-time employment. MA temporary health insurance also is necessary while waiting for permanent health insurance to begin or as an alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations typically do not include temporary medical insurance. Massachusetts short term health insurance generally allows the insured person to receive care from any licensed health care provider in the United States.

There are three key points to consider when evaluating Massachusetts temporary insurance providers:

1. Gap coverage is the intent of temporary health insurance. Massachusetts workers should expect to have standard health insurance in the future.

2. Temporary health insurance in Massachusetts provides protection against unforeseen illness or injury but generally does not cover preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act, or HIPAA exempts short-term health insurance. Massachusetts insurance carriers therefore do not have to guarantee an issue or renewal and are not required to waive the restriction on pre-existing conditions for individuals that would otherwise qualify.

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

Collect quotes from a variety of Massachusetts temporary health insurance providers

There is a variation in coverage rates, but individuals with Massachusetts temp health insurance generally pay a much higher premium than those with permanent coverage.

I recommend: Complete the application form at eHealthInsurance, including the census data on your family members after starting on the homepage with your zip code to apply for short-term health insurance. Massachusetts workers may use the form at InsureLane to indicate a pre-existing condition on a family member.

Examine the available types of Massachusetts short-term health insurance

MA temporary health insurance may provide coverage only to certain groups of people or for certain conditions. It is helpful to know the intended purpose of a given plan before studying it in detail.

I recommend: Find a summary of different temporary health insurance plans in Massachusetts at MedSave. Buy American Insurance has summaries along with detailed descriptions of multiple plans from major insurance providers.

Apply for personalized quotes from Massachusetts temporary health insurance providers

You can get a more specific quote when you provide some basic information about yourself when applying for temporary health insurance. Massachusetts residents can utilize many centralized websites that will send an application form to multiple carriers.

I recommend: Blue Cross Blue Shield of Massachusetts is one of the largest Massachusetts family health insurance companies. Eisenberg Associates is in Newton Centre and provides a full range of health insurance services, including temporary health insurance.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Check for provisions that will extend your coverage beyond the expiration date of temporary medical insurance. Massachusetts 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 expiration date.