VIPER Health Insurance allows individuals who decline COBRA continuation of health insurance the opportunity to obtain credible short-term major medical health insurance coverage. When an individual or family loses their current medical coverage due to voluntary or involuntary job loss, COBRA continuation coverage gives them the option to continue having health coverage through their former employers group sponsored health plan.

COBRA continuation coverage is only a temporary medical insurance solution, as there is a limited amount of time that an individual or family will be eligible to receive a continuation of health coverage through their former employer. In addition, approximately 93% of the workers who qualify for COBRA cannot financially manage to pay the monthly payments, which can be as high as 102% of the premium.

Although COBRA is meant to serve as an affordable health insurance coverage for individuals and their families, it is unfortunately not a realistic option for the vast majority of Americans who qualify and are eligible. Therefore, there is a significant group of individuals and/or families who are forced to walk away without health insurance coverage. Unfortunately, without any sort of short term medical coverage, they are only putting themselves at a much greater risk for future financial hardship if they or a member of their family faces any sort of unexpectedly accident or illness that requires major medical attention or hospitalization.

VIPER Health Insurance Coverage - Unlike COBRA, VIPER Health Insurance was designed for the consumer. Through Variable Insurance Products Electronically Requested (VIPER®), workers and their families now have what is often a more affordable and more flexible alternative to the option of COBRA. VIPER eliminates both the higher premiums and time restrictions that exist with COBRA, creating a medical coverage option that is far better for most individuals. VIPER allows individuals and/or families to design a health insurance plan that can suit their financial needs by giving them the opportunity to change Co-Insurance and Deductible, allowing them to create a plan that caters specifically to them. VIPER is the Insurance Industry Alternative to COBRA, offering affordable individual health insurance coverage to both public and private sectors.

If you are eligible for VIPER, and think that it sounds exactly like what you need in terms of health insurance coverage, then be sure to apply for one of our free no-obligation short term medical insurance quotes today!