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What is the best way a low income student can get health insurance? |
Again, low income and can't rely on parents and how could I get retro coverage for an emergency bill a month ago. Currently uninsured, only insurrance is car insurrance. Check out health plans available through your college and see what students like you are doing about health insurance. If that doesn鈥檛 work, several major insurance companies have developed plans aimed at the so-called 鈥測oung invincible鈥?market 鈥?people in the 20鈥檚. That鈥檚 a good thing since about a third of all recent college graduates don鈥檛 have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the 鈥淭onik Health Plan鈥?and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It鈥檚 called 鈥淪ound鈥?and has features similar to the BCBS plan. Health plans differ in three basic ways: 鈥onthly price/annual deductible 鈥ccess to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need) 鈥inancial strength of the insurance company Also, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I鈥檝e included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need. You might also want to look into short-term medical insurance. It doesn鈥檛 offer the same range of benefits as longer-term insurance, but many people get these kinds of plans when they鈥檙e in-between jobs. Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term plans usually help pay for: 鈥ospital room and board 鈥mbulatory services 鈥ntensive Care 鈥ab Exams 鈥-rays 鈥rescription medications The Web has many different Web sites where you can compare and contrast local health plan prices and features. MostChoice.com is one such site, and you can also get in touch with local area agents without any obligation. Tell them what you want and what you want to pay and have them do the legwork for you. You can visit MostChoice here: http://www.mostchoice.com/health-insuran... Hope this helps, Barnes@MostChoice Source(s): Choosing and Using a Health Plan http://www.ahrq.gov/consumer/hlthpln1.ht... Checkup on Health Insurance Choices http://www.ahrq.gov/consumer/insuranc.ht... Contact your school's healthcare center. They usually offer you a very affordable plan. My school (SUNY Oswego) offered health care at the school for $100 a semester. They may be able to help you with your other outstanding bill. Also, see if you can contact a lawyer on site for your campus to see if you can get some help with that. |
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