Oh my god, please help me figure out temporary health insurance.
July 25, 2014 9:29 AM Subscribe
I need temporary catastrophic health insurance for a month and a half, with a major complication: I'll be living in four different states (NY, PA, CA, and IL) in that time, so the state-specific Exchange options won't work. I just want to make sure I don't go bankrupt if I get hit by a bus on one or the other ends of the country!
posted by you're a kitty! to Health & Fitness (16 answers total) 1 user marked this as a favorite
I'm about to defend my PhD (sidenote: aaaaaahhh!!!), and am looking at a month and a half without health insurance before my postdoc begins. In that window I'll be traveling to stay with friends, and then permanently moving between states. I can cover my medications out of pocket and will see my normal doctors before I go off my current student plan, but obviously don't want to have to worry about being uninsured during a catastrophic accident or something during the interim.
I've seen posts that suggest calling a broker (how on earth do I find a reputable one?) or getting travel insurance (which as far as I can tell is mostly designed to cover trip expenses while outside the US, and aren't meant to be primary health insurance). My university's student health insurance office just wants me to buy their super-expensive semester-long plan, which I can't really afford to do. I am not eligible for COBRA or Medicare, and can't start my postdoc health insurance early.
I would also appreciate any suggestions for particular terms to avoid when comparing the plans I find online (such as the indemnity plans on ehealthinsurance.com), if there's anything I particularly need to watch out for.
Thank you so much!