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I need help with Health Insurance coverage!!?
I recently graduated college, and now that I have left the education world my school insurance has lapsed and I don’t qualify to be under my parents’ insurance plans any longer. I’m unemployed right now and looking for a job while I live at home, but I’m really uncomfortable going without benefits, even if it’s just major medical…
I have a really clean record, no history of health problems at all. I just need to know what type of coverage I should look for and where I should look for it…the less expensive the better (did I mention I’m unemployed?)!
Can anyone give me any suggestions about plans and coverage I should look at, how much they might cost, and which companies would be the best for a person in my situation? Thank you soooo much!
As already mentioned you want to visit a local agent that works with all of the major companies in your area. The agent can give you suggestions and can explain the plans. There is no extra charge using an agent.
One option would be a short term medical policy. Since you recently graduated and are looking for employment it is possible that you’ll get a job with health benefits. The short term policy will provide coverage for catastrophic illnesses and accidents without all of the bells and whistles of a regular policy. When you get your new job if it doesn’t have health benefits then you can find a permanent policy. The premium with a short term policy is reasonable compared to a permanent policy. In my area a good short term policy with a low deductible will cost you around $35 per month.
Insurance Information : How to Choose a Health Insurance Plan
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