TO: Jmblou - additional medical ins. idea

Hi JmblouI had given you some ideas about affording medical care? I had totally forgotten about this, in fact I'm searching for a policy right now for my husband as his ins. doesn't kick in until August, probably won't cover pre-existing, seeing if he qualifies for VA benefits seems like it's going to take years, and he needs surgery right now. Anyway when some of my children graduated from college they lost the ins. we had on them and had a wait time before their jobs provided ins. for them. I found out that you can buy a short term health ins. policy. I've started researching them. There are quite a few I found on Google plus I called an independent insurance agent who is putting a portfolio of policies together for me. But what I remember is this, and assuming they are still the same as they were a few years ago, which they seem to be so far from my limited internet reading:1. The cost isn't low, but I was surprised that it wasn't strangling high either. IOW it's doable, depending upon how much ins. you buy. For an epileptic with doctor, AED, possibly hospital bills? The premium cost is far lower than all of that.2. There are of course different types of coverage you can buy.3. These policies are considered "bridge" policies. IOW when one insurance quits and you're waiting for another insurance to kick in but anyone can use them for any reason. 4. Now this is tricky. The policy I bought for my children covered pre-existing the FIRST time I paid the premium. That policy and the ones I'm seeing on the internet, allow you to buy as little as one month of coverage up to 12 months. I'm sure others have other criteria. BUT the BIG BUT and this will be important to you. Example: you pay a premium, or buy 3 months of short term health insurance. At the end of that period of time you still need health ins. so you want to buy more months. THIS is where it gets sticky. Because at least with the policies I bought for my kids, the second time you pay for a premium, or you re-up? Whatever condition might have been treated the first time you paid? Is now considered pre-existing and might not be covered the second time you buy the policy. All to say the more months you can pay for at a time? The better.I don't know why this popped into my mind but I'm glad it did. My husband has a huge inguinal hernia which can be life threatening. He's had it for over a year and it's extremely painful. He has to get it fixed but so far we haven't been able to figure out how to pay for it. I think buying, for us, even a one month short term health ins. policy will cover this surgery. Hope this was helpful.Gretchen