Short term health insurance
Posted by nick_niesen on October 29th Cheap Detroit Tigers Jerseys , 2010


If you are between jobs or are awaiting another health insurance policy to come into effect you may find that you have a gap in your health insurance coverage. This period is a high risk as you are effectively uninsured when it comes to health insurance. So what are you to do in this interim period? Well one of the best options in such situations is to consider taking out a short-term health insurance policy. This will cover you for a limited or fixed term.


Usually, short-term health insurance policies last for periods of less than six months. There are policies that will cover you for up to twelve months also however. If you need coverage for periods longer than this, you should probably be considering standard individual or family health insurance plans.


Application is Simple


One of the benefits of short-term health insurance is that the application process is somewhat more straightforward. These policies are really designed to cover unforeseen accidents and other emergency situations and are not recommended for comprehensive health protection. They will therefore generally not cover such advanced features as preventive treatments, physical and diagnostic tests, immunizations, dental and vision expenses which you should try to avoid for the period under which you are covered by the short term plan.


The main concern Cheap Houston Astros Jerseys , and something you should be aware of if you are considering a short term plan is that they will make you ineligible for guaranteed issue health plans. These plans are most commonly referred to as HIPAA plans. They can be very expensive and are used in cases where the insured has existing medical conditions, which would otherwise make it very difficult for you to obtain health insurance. If you think you will need eligibility for a HIPAA plan, you should not purchase short-term health insurance. The Health Insurance Portability and Accountability Act or HIPAA, and state health insurance rights are important protections and you should seek advice from a benefits advisor in these regards.


Are you covered?


Short-term health insurance plans will not cover existing medical conditions. While the exact definition depends on your circumstances and on state laws, what this means is that if you have been diagnosed in the last three to five years or have been receiving treatment for a condition, it will be a pre-existing condition and you will not get coverage for it under your short term plan. Therefore Cheap Kansas City Royals Jerseys , if this applies to you, it is recommended that you extend your current comprehensive policy rather than switch to a short-term plan.


BEIJING, May 9 (Xinhua) -- Before Javaria Ikram even arrived in China, the Pakistani woman had heard a lot about the country from her father.


"China is my father's second home," she said. "We grew up seeing photos and hearing stories about it."


Ul Haq Ikram was among the first group of Pakistanis to study in China in the 1970s.


From 1974 to 1979, he studied Chinese and radio communications at Beijing Language and Culture University and Tianjin University. He then returned home and became an engineer in the military. In 2005 Cheap Los Angeles Angels of Anaheim Jerseys , he came to China again, this time earning his doctorate at Beijing Institute of Technology.


Ul Haq Ikram has travelled around the country with his family, and encouraged his six children to study there.


"The peaceful environment and friendship between our two countries are the main reasons why we like China," said Ul Haq Ikram. "I enjoyed the academic atmosphere here, the teachers made our studies and daily life easy."


Javaria Ikram, 30 Cheap Los Angeles Dodgers Jerseys , and her siblings all followed in the footsteps of their father. Elder sister Maria Ikram came first, earning her doctorate at Beijing Institute of Technology.


"Before arriving, I had been told Chinese are quite industrious," Maria Ikram said. "It is true. They work very, very hard."


When she arrived in 2005, Beijing had only several metro lines. "Now underground covers the whole city Cheap Miami Marlins Jerseys ," she said.


Javaria Ikram came in 2008, and will complete her doctorate this June.


She told Xinhua that when she arrived, she could barely understand Chinese. "Sitting in class, I had no idea what the teacher was talking about," she said.


When Javaria Ikram told her teacher that she could not read Chinese characters, the teacher gave her an English version the next day.


"I gradually gained confidence Cheap Milwaukee Brewers Jerseys ," she said. "I will never forget this experience."


The sisters' husbands also studied in China. Both Maria Ikram and her husband Abdul Waheed are now professors at Beijing Institute of Graphic Communication. Javaria Ikram's husband Syed Hammad Hussain Shan Bokhari works for a Beijing company developing automotive electronic equipment. Javaria Ikram hopes to find a job as well.


"We would like to be a bridge for exchange between China and Pakistan," she said.


"In the past, young Pakistanis liked to study Arabic, French and German. Learning Chinese is a new trend," she said.


Chinese language courses for foreigners are now available in many colleges and even primary schools in China. The booming economy has attracted an increasing number of foreign students, and like the Ikram family Cheap Minnesota Twins Jerseys , many have benefited from Chinese government scholarships.


In 2016, more than 440,000 foreign students from 205 countries and regions studied in China, according to statistics with the Ministry of Education.


According to plan, China will set up a Silk Road scholarship, allowing 10 Cheap New York Mets Jerseys ,000 foreign students from countries along the Belt and Road to study in China each year.


With the implementation of the Belt and Road Initiative, the China-Pakistan Economic Corridor will be developed, creating a lot of job opportunities for technicians, especially those who have studied in China, Javaria Ikram said.


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