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LD asked:
I’m 19 years old and currently a full time student. I want to get health insurance. What are my options?
I currenlty have the school’s insurance but it’s only for visits to the On-Campus Health Center. It doesn’t provide Dental or anything.
I also can’t get on my parents’ plan because they only offer it for people under 18.
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I’m 19 years old and currently a full time student. I want to get health insurance. What are my options?
I currenlty have the school’s insurance but it’s only for visits to the On-Campus Health Center. It doesn’t provide Dental or anything.
I also can’t get on my parents’ plan because they only offer it for people under 18.
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depends on the income you have, if income is very low apply for health programs near you.
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If you are a full time student your school should offer health insurance at a low rate that you can pay for once a semster/quater. You can also get with a local insurance agent. Look one up in the yellow pages or on line. They can probably get you a rate that you pay for once a month that’s not too expenisve. But if you are a full time student and you are 19 you should still be able to stay on your parent’s plan until you graduate. Also gov’t assistance is always helpful.
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If you are a full time student, the best option would first be to verify whether you can be carried on your parents’ plan.
If that’s not an option, you should verify with your school whether they have a medical plan available to students.
If that’s not an option, you should either contact a local agent or use a website such as esurance.com to obtain a quote from health insurance carriers in your area.
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There’s family health care coverage which your parents can consider in buying a health insurance.
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please try this
help
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This is what we use.
It’s a discount card, saving you up to 80% off service for medical, Dental, Vision, and Prescriptions. Just an example, my husband was looking into eye surgery, and his doctor was charging $5,000, we showed him our card and the price when down to $2,700. It’s great for those, like us, who can’t afford traditional insurance.
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You’ll want to visit a local independent agent. This person knows the market in your area and can find the best plan for your situation. They don’t charge anything for the service.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link for more information. Many other states are starting to ban these cards.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.