You may need Mississippi temporary health coverage for a variety of reasons. You could be between jobs or you may have only temporary or part-time employment. Mississippi temp health insurance is necessary while you are waiting for permanent health insurance to begin and it can be an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations generally do not provide services for temporary medical insurance. Mississippi temporary medical insurance providers usually allow the insured party to receive care from any licensed health provider, however.

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

1. Gap coverage between standard policies is the primary intent of temporary health insurance. Mississippi employees with temporary health insurance should expect to obtain long-term health insurance in the future.

2. Temporary health insurance in Mississippi is intended to provide coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. Temporary Maine health insurance is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, and is not required to be issued or renewed to all applicants.

Action Steps

The best contacts and resources to help you get it done

Tips & Tactics

Helpful advice for making the most of this Guide

• Temp health insurance in Mississippi usually lasts for a maximum of six months, but you may be able to get a second policy so long as your total coverage does not exceed one year. This generally requires that you have not made any claims under the first policy and haven't experienced significant changes to your health.
• Look for any clauses in your policy covering disabilities beyond the stated termination date of the temporary medical insurance. Mississippi temporary health insurance policies often will pay for total disability until specific criteria have been met. These might include a treatment no longer being required, the expenditure of a fixed benefit amount or the elapse of a certain amount of time past the termination date. Many plans also will pay a fixed amount for partial disability after the termination of the policy.