Saw this news story yesterday about a guy who got stuck with a huge medical bill because his temporary insurance provider found some loophole to deny coverage. Apparently, he thought he was covered for an emergency surgery, but turns out the fine print said otherwise. Typical, right? Got me thinking about how tricky these short-term insurance plans can be. I've used them myself between jobs, and honestly, I never really read all the details (who does?). Now I'm wondering if I've just been lucky so far or if there are actually decent providers out there that don't pull this kind of stuff.
Curious if anyone else saw that story or had similar experiences. Are there any temporary coverage companies you've used that were actually reliable and didn't leave you hanging when you needed them?
Had a similar scare last year—thought I was covered, but nope, fine print strikes again. Switched to Pivot Health after that mess, and so far they've been pretty straightforward. Still, always read the boring stuff...lesson learned the hard way.
Went through something similar a couple years back—thought I had solid temp coverage until a minor ER visit turned into a paperwork nightmare. Honestly, Pivot Health seems decent enough, but I'd still double-check exclusions carefully... insurance companies aren't charities, after all.
Yeah, Pivot Health isn't bad, but you're right—gotta watch those exclusions closely. Couple quick points from my experience:
- Always confirm if ER visits have separate deductibles.
- Check if there's a cap on outpatient services... learned that one the hard way.
Pivot Health was decent when I used them too, but yeah, those outpatient caps can sneak up on you. I also noticed some providers bury prescription coverage details deep in the fine print... gotta watch for that.
