Individual Health Insurance

Graduating and Need Health Insurance?

We're quickly approaching graduation season. It's a time of transition usually marked by a change in residence, a change in employment, and a change in health insurance plans. You or someone you know might be losing dependent status on a parents' group health plan. Or, you may be starting your first job in the "real world" and have a waiting period before group coverage begins.

This is a great time to consider individual health insurance.

The type of individual health plan that most easily fits the needs of young adults is a basic benefit plan. It's budget-friendly and provides the essential major medical benefits many young adults are looking for. Plus, web-savvy twenty-somethings like how fast and easy it is to apply for coverage online!

Basic benefit plans are designed to be affordable while covering the "basics" - hospitalization, Rx drugs, PPO office visits, and preventive care. To keep monthly premiums low, these plans have higher annual deductibles as well as additional deductibles for certain medical services like emergency room, inpatient and outpatient hospital visits. Many young consumers appreciate their low monthly premiums and are willing to pay more out-of-pocket when the need for medical services arises.

Make sure your health insurance needs are met while you're in school, during your first few months after graduation, or if your first job doesn't offer health insurance coverage. Individual health insurance is a great way to protect your health and budget while you're taking your first steps in the "real world."