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All health insurance plans vary in terms of length, coverage type, the providers in your network and more.

When selecting a  health insurance plan, it is important to consider all these factors and determine which benefits are the most important to you.

Fortunately, every plan covers certain essential benefits.

This means that no matter what plan you have, you will be covered for yearly check-ups, preventative care, inpatient and outpatient care at hospitals, some prescription drugs, pregnancy, childbirth and certain other benefits.

While you may still need to make copayments, you will not have to pay the total cost for essential care.

You may end up paying far more for healthcare services if you do not have health insurance.

It is important to have coverage even if you are a healthy person and do not frequent the doctor’s office.

If you ever need emergency care or your current state of health changes, you may find yourself stuck with extremely expensive medical bills.

A health insurance provider may lower the cost of those bills, depending on your specific plan. If

you have a high deductible, you may also opt for a health savings account, which will allow you to place tax-free income in the account which may be used to pay healthcare bills.

You may also benefit from additional insurance plans, such as travel insurance, vision insurance and more.

To learn more about the different types of health insurance available, continue reading below.

What are short-term health insurance plans?

A short-term health insurance plan covers customers who are transitioning between two different insurance plans.

This often happens when customers are leaving one job and applying for another, waiting to become eligible for Medicare, are without insurance and the open enrollment period has closed or are simply waiting for their new healthcare plan to begin.

Other names for short-term health insurance include term health insurance or temporary health insurance.

Short-term coverage is not always the ideal. However, you may find yourself in a situation where you would otherwise be unable to purchase a plan for a gap in your coverage.

For instance, your coverage may be ending because you are a 26 years of age or older and no longer qualify for your parent’s plan.

A short-term plan may also give you the time to search for standard insurance.

If you are starting a new job and know that you will be without coverage for a certain amount of months, temporary insurance may be your only option.

Many people also enroll in short-term plans after a divorce.

This is because divorce often means that a family no longer qualifies for family health insurance, which results in one or both partners losing coverage.

The temporary assistance provided by a short-term plan may be the best solution.

In addition, some plans start at a mere $20 and you can purchase coverage by the day.

What are international health insurance plans?

An international health insurance plan will cover you while you live or work outside of the country for a year or more.

An international plan may cover just you or it can cover your family as well.

Coverage for your family may depend on whether they live with you outside of the country.

If you are staying in a different country for a long period of time, it may be very important for you to purchase an international plan.

The longer you stay in that country, the more likely it is that you will need some form of care, even if it is just a routine check-up or preventative care.

Fortunately, there is a variety of affordable international plans available with simple application processes.

Some plans even offer worldwide coverage and insurance for inpatient and outpatient care, wellness check-ups, evaluations, screenings, dental and vision services and more.

You may choose a yearly plan or one that ends on a specific date.

However, some providers may require you to pay for coverage for a minimum length of time.

When you apply for international health insurance, you must meet certain eligibility requirements.

The size of your family and the age of each family member may factor into the premium you receive.

You may also be asked about your medical history and where you will be staying while you are on the international plan.

What is travel insurance?

Travel insurance is designed to cover you in the event of an accident or mishap.

This typically includes missed flights, lost luggage, trip cancellations and other unexpected events.

Travel insurance makes the most sense if you travel often and want protection for the financial risks associated with frequent travel.

Some travel insurance companies offer comprehensive packages, which will cover you on top of your other forms of insurance.

Keep in mind that these insurance packages will vary in price depending on the number of people you want to cover on your plan, how often you travel and other factors.

A package may increase in cost if you are 50 years of age or older and will decrease if you have children who are 17 years of age or younger.

In addition, you may be required to purchase a travel insurance plan if you make plans through a travel agent.

Be sure to research different plans on your own in order to find the one that is right for you.

It is especially important to check where each company is licensed, as they may not be licensed in every state.

Be sure to get insurance as soon as you have booked your travel arrangements because this will give you coverage for a longer amount of time.

What is vision insurance?

Vision insurance is a type of supplemental health coverage that may help lower the cost of vision care for you and your family.

This includes regular eye exams, prescription glasses or contacts and certain eye surgeries.

In addition to reducing the cost of expensive eye care, vision insurance may have additional benefits and may qualify you for discounts on annual premiums.

What is group health insurance?

Group health insurance is an insurance plan that tends to cover a large group of employees or members of an organization.

Employees on a group insurance plan usually receive lower premiums because the company’s risk is spread out over many people.

Besides discounted healthcare expenses, members of the group may also qualify for discounts at certain stores or even lower prices on continuing education courses.