When you are thinking about getting an individual health insurance policy, take time to work out all applicable costs. Deductibles, premiums and co-pays can be hard for someone to understand so make sure you you add up the costs of everything before you purchase the insurance.
There are plenty of options for you if you have just finished college and you are looking for health insurance. Perhaps you can get insurance through your employer. Until you reach 26, you are able to be listed on your parents’ insurance policy. You can also check our personal plans though too.
An individual buying a health policy typically costs much more than going with a group policy; keep that in mind and plan accordingly. It is likely that you will have to compensate by accepting a higher deductible or less coverage. As with any service, you should do your research to find the best price and plan.
If you can’t afford comprehensive insurance, then at least get catastrophic coverage. Prescriptions and doctor’s visits are covered by a comprehensive plan, while hospital and emergency care is covered by catastrophic health insurance.
Any coverage has exceptions loopholes, including your own health insurance plan. Make sure you read the policy thoroughly, so there are no surprises about what it doesn’t cover. You need to be ready to pay for things on your own that are not covered. Some medications and procedures are not always fully covered by insurance.
If you are contacted by an insurance carrier in conjunction with your application, do not give information for which they did not ask. Answer only the questions they ask you directly, and keep your answers focused and short to offer nothing more than the specific answer. If you add any extra information, it will be notated in their records and could result in higher premiums or even a rejection of your application.
Maintaining good health is a very important aspect of your life. Health insurance is the security that you need if you want to stay healthy. Use the advice provided to you in the above article to ensure that you are able to get and keep good health insurance.