Insurance For College Students - College Insurance Knowledge

For many Florida teens, high school graduation day is an exciting time of new beginnings, of big plans ahead and the real start of taking on more adult responsibilities. Navigating the maze of health insurance options does not have to be one of those things that is intimidating, if you know how to make your way through the various options available to you. Understanding what choices you do have will make your choice that much easier to make as you plan for the next few years as a college student.

If you are already insured under your parents' health care plan, then usually, until you are twenty five, you can remain covered. Asking your parents if they can continue to cover you and if their plan will allow that is always the first step if you already have coverage and will be one less thing to worry about in the coming years.

If you aren't going to college, or you are a college student over the age of 25, looking into COBRA or Consolidated Omnibus Budget Reconciliation Act may be yet another way to maintain or obtain health care coverage. If your parents' plan for whatever reason cannot cover you, this option can sometimes be a chance to continue coverage. Have your parents ask their insurance agent if this option may be right for you.

If COBRA isn't an option, and you find that you are going to be working, another option is short term health care coverage. If you are someone who perhaps doesn't usually see a doctor, but would like to make sure that in case of an emergency you are able to- choose a plan with a higher deductible and you can obtain fairly inexpensive and temporary coverage until employment or other options make a longer term solution available. Another way that many young adults obtain health care coverage is through an employer, so do not rule out the possibility of a group health care plan through a place of employment. While most require full time employment to qualify, some may have options that you can also buy into after a certain amount of time has passed, even under part time hours.

Failing all of those options, you may find yourself looking into individual coverage plans- these can sometimes come with rather steep premiums, however, shopping around can usually yield something comprehensive and at least within your budget. If you are again shooting for a higher deductible plan, you should be able to maintain fairly low rates, and even better so if you are a reasonably healthy, nonsmoker. These plans usually require some level of medical testing or disclosure to qualify, however, if you find yourself having to explore this option doing side by side comparisons can help you find what is right for you.

It does not have to be a confusing ordeal, working through health care coverage as a young adult, often, finding an agent who is willing to walk you through your options can also help to shed a little light on things.

Trying to save money on insurance while in college? Switch to an independent insurance agent and save up to 40% by visiting Orlando Car Insurance for your car insurance needs. For other types visit us at Florida Health Insurance and more.
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