There comes a time in your young adult life when you no longer qualify for your parents health insurance coverage. It was never a real big deal until now. Many times you are just getting into the working world and employer benefits are just not an option. So you ask "what are my options?"
Many major insurance companies offer health insurance on an individual basis. In fact, they have specially formulated plans to cater to your market group. So if you can not get group insurance, individual health insurance makes a perfect option.
There are many plans that are designed with your needs in mind. They know what you expect and what is important to your generation. Some good examples are the Unicare Sound and Blue Cross Tonik plans. These plans are specifically designed to appeal to the 20 something's.
One of the things 20 somethings find imporatant is a office visit co pay. They want to know how much they need in their pocket when they make a visit to the doctor. Some of these plans have made the office visit all inclusive, by including lab and x-ray expenses to be covered ubder that office vist co pay.
Twenty somethings are crazy about this feature. The typically have a pretty fixed budget and paying several bills for 1 trip to the doctor is not budget friendly to them. They love that they can go to the doctor pay $30 or $40 and be done with it.
Another added bonus we are seeing in the plans are dental and vision benefits. Typically , you would have to add these benefits for an additional cost. These plans have one affordable premium with the added benefits built right in.
The young adults hated the 80/20 co insurance mambo jambo talk. So carriers answered by giving them straight talk. They meet a deductible, then the carrier pays 100%. Nothing confusing about that!
This point of transitioning into adulthood use to be left with out insurance at all. We are smarter now and know that this is a bad idea. it can really hurt you financially. So thank you to the carriers for stepping up and providing simple plans for this special time of the young adults lives.
Many major insurance companies offer health insurance on an individual basis. In fact, they have specially formulated plans to cater to your market group. So if you can not get group insurance, individual health insurance makes a perfect option.
There are many plans that are designed with your needs in mind. They know what you expect and what is important to your generation. Some good examples are the Unicare Sound and Blue Cross Tonik plans. These plans are specifically designed to appeal to the 20 something's.
One of the things 20 somethings find imporatant is a office visit co pay. They want to know how much they need in their pocket when they make a visit to the doctor. Some of these plans have made the office visit all inclusive, by including lab and x-ray expenses to be covered ubder that office vist co pay.
Twenty somethings are crazy about this feature. The typically have a pretty fixed budget and paying several bills for 1 trip to the doctor is not budget friendly to them. They love that they can go to the doctor pay $30 or $40 and be done with it.
Another added bonus we are seeing in the plans are dental and vision benefits. Typically , you would have to add these benefits for an additional cost. These plans have one affordable premium with the added benefits built right in.
The young adults hated the 80/20 co insurance mambo jambo talk. So carriers answered by giving them straight talk. They meet a deductible, then the carrier pays 100%. Nothing confusing about that!
This point of transitioning into adulthood use to be left with out insurance at all. We are smarter now and know that this is a bad idea. it can really hurt you financially. So thank you to the carriers for stepping up and providing simple plans for this special time of the young adults lives.
About the Author:
The author broker Jeff Cline can assist you in your quest for individual health insurance . He is an expert on the health plan options for young adults. If you are a student he aslo has student health insurance options. Contact him day or night. He is dedicated to helping you meet your individual needs. you can contact him at toll free 866.526.9669
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