You may need temporary health insurance for several different reasons, including unemployment or having a temporary or part-time job. West Virginia 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. West Virginia policy holders normally 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 West Virginia:

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

2. Temp health insurance in West Virginia 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 (HIPAA) exempts temporary West Virginia health insurance and it is not required to be issued or renewed to any applicant.

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

Acquire general pricing information on West Virginia temp health insurance policies

There is a difference in the cost of premiums, but West Virginia temp health insurance will almost certainly cost much more than a long-term policy.

I recommend: Contact Allegheny Insurance for prices on temporary health insurance. West Virginia health insurance companies such as this one frequently offer other types of insurance as well.

Examine the different types of West Virginia temporary health coverage

WV temporary health insurance plans 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 a policy.

I recommend: Find plan summaries for WV temporary health insurance at Mountain State Blue Cross Blue Shield, a specialist in health insurance plans for West Virginia.

Get customized quotes for temporary health insurance in West Virginia

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

I recommend: Select your zip code and complete the short application form at the Coventry One website. Your information will be sent to individual carriers in West Virginia who will send their quote to you.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review any policy you are considering for clauses that extend coverage beyond the termination date of the temporary medical insurance. West Virginia temporary health insurance policies will frequently continue coverage for total disability until certain conditions have been met. These might include expenditure of a fixed benefit amount, reaching a certain time past the termination date or until the treatment is no longer required. Many plans will also provide a fixed benefit for partial disability after the termination of the policy.