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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, 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, if this applies to you, it is recommended that you extend your current comprehensive policy rather than switch to a short-term plan.

Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of insurance in the UK. If you found this article interesting you may find more articles of the same nature in the insurance guide located on site.

Role-playing games, or RPGs, are quite popular among those who play computer games. This is because such games allow you to take on different characters and use the capabilities that these characters have as you play the game.

Some of these characters include being warlocks and wizards who have magical powers, military generals that command a large number of forces, and even wealthy tycoons who can purchase anything they want. There is a thrill in taking on these characters and using their powers to achieve a mission or solve a mystery.

The plots of these role-playing games are also as varied as the characters that players play. In these games, military generals are tasked to create empires; tycoons are encouraged to make more money; and wizards are tasked to do accomplish a mission or go on quests. The plots of these games, which started out as the classic battle between good and evil, have now evolved into games that also deal with the gray areas of life and other situations outside the conventional.

Apart from being available in computer games stores, these RPGs have also become available on the Internet. There is also a large number of websites that offer these games for free, and most of these can be played while the user is online. RPGs have also been a good avenue for different players to play with each other using a network. This has enabled players from different countries to play the same game with each other and has added to the popularity of this type of game on the Internet.

Role-playing games have become a popular download among fans of games that let the player take on different roles, be in different time periods, and interact with various people across the globe. The popularity of such games is increasing, as evidenced by the number of players who actually download and play the games. As technology continues to improve, innovations in these types of games can only further fuel its popularity.

Free Online Games provides detailed information on Free Online Games, Free Online RPG Games, Free Online Kid Games, Free Online Multiplayer Games and more. Free Online Games is affiliated with Free Mobile Games.