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What is the best type of post-college/pre-job health insurance? |
I just graduated from college and will go off of my parents' health insurance at the end of May. I do not have a job yet, so I'm looking for an independent policy. I am healthy, have no risk factors (smoking/drinking/previous illness), and I'm about to be 22 years old. Please, only answer if you have personal experience. I don't want random internet searches, I can do those myself. Go to www.ShortTermHealthPlan.com You can get quotes, apply online, and print out your policy on the spot. An average, healthy college student would probably want the Secure STM. It is by an "A" rated carrier, and in most states offers unlimited rewrites, in case you still need it next year. It also comes with discounts on things not typically covered by other STM plans, including discounts on vision, dental, and prescriptions. Additionally, it has very liberal height and weight requirements. There are also plans available at that sight for people who have a hard time finding health insurance, because of things like type 2 diabetes, DUI's, or if they have been declined for health insurance in the past. You should check with your college to see if they offer a particular plan at a discounted rate. (My college did this, but I didn't need it because I was already working.) If it helps any, I didn't have health insurance for about a year once and I'm fine now. Keavy, Check with any Health Insurance Broker in your community for "Short Term Major Medical" policies. They are offered by a number of companies and can be purchased for 1 month up to two years of coverage. It would be perfect for your situation. At your age the coverage is not terribly expensive. Google: Short Term Major Medical Coverage. The results would give you companies that offer it and you can find out if there is a rep near you. Some companies even offer this type of policy over the "Net." Good Luck, Grampy You will need a Short Term Medical (STM) policy. If you contact a local independent agent that person can find the best policy for your situation. The STM policies normally don't cover small things like a doctor visit for the sniffles but they will cover catastrophic hospital bills in case you get injured or come down with a major illness. In most cases you cannot get a traditional individual policy while unemployed. This is because insurance companies know you are probably looking for a job and you might get one with health benefits. Don't be tempted by the Medical Discount plans that offer coverage for $20 - $60 per month. If you are lucky enough to find a doctor that accepts these plans your discount is about the same as if you paid cash. Also, even if you do get "up to 60% discount"; if you have a $200,000 hospital bill you'll still end up paying $80,000. Independent Agent you try this site http://www.click4freeinfo.com/indexinsur... |
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