Being military personnel can affect your health insurance quote. Many policies have specific wording about acts of war or overseas coverage. Obtaining an accurate fighter pilot quote for private health insurance can be difficult. However, active duty military personnel have health insurance coverage through the military. After 30 consecutive days of active military service, reservists and National Guard members also receive coverage.

If you are called up to active duty as a fighter pilot and have health insurance coverage through an employer sponsored program it may be wise to continue that coverage through your term of active duty. This is especially true if your coverage includes other members of your family. Discuss with your employer the affect being on active military duty as a fighter pilot will have on your coverage.

Your company is not required by law to pay the cost of your coverage while you are on active duty, but many will. If they do not, you can elect to continue the coverage through COBRA or USERRA at your own cost for up to 18 months. You can elect to cover only part or all of your family members currently covered by your health insurance.

If your employer discontinues your health insurance coverage, federal law requires them to allow you to resume plan membership without any waiting period if you return to your same employer directly upon return from military deployment.

Important considerations involving health insurance quotes for fighter pilots involve the payment of premiums while you are on active duty. If your premiums do not get paid in a timely fashion while you are away, your policy may be canceled by your insurance company. If your policy is canceled for this reason or any other legal reason, you will have a hard time obtaining health insurance quotes upon your return or you may be quoted much higher rates. This comes into play more specifically with your family members than with you as the pilot because you will have continuous coverage through the military while on active duty. It is important that details concerning payment of your family's policy premiums are arranged.

Although you are covered by the military as an active duty fighter pilot, once you return from deployment and begin a civilian life, you may find there are some concerns regarding fighter pilot insurance quotes. If you have any health conditions or injuries, you may receive higher quotes or exclusions of coverage for specific items. Most individual policies do not provide for mental health coverage, or do only at a much higher premium. This may be an important factor to consider when obtaining health insurance quotes after active military action.