INSURANCE plans for individuals?

Question

I am turning 22 on JUNE 25 and will lose my health insurance through my dad. I am still in college and do not have a job. Does anyone know of a reasonably priced insurance plan? I hope to only need it for about 1 year, because graduate in December 08

I'm looking at full coverage and/or emergency only health plans. thanks!

Answer 1

Most group health insurance policies will cover the child until he/she is 19, but up to age 22 , or 23 depending on the policy, if still a student.

At this time, you could purchase a short-term major medical policy for up to one year. Two companies I would recommend for this are Time Insurance (Fortis), and Golden Rule Insurance Co. You can check these out on the web.

Answer 2

Most health plans will allow children to remain on them as long as they are a full-time student, even after they are too old.  I would have your dad double-check with his benefits department.

Answer 3

Check at your college for insurance or find a local insurance agent/broker for a short-term policy. That is probably the cheapest way to go!

Answer 4

You are on the right track to choose a full coverage plan.

Choose a plan with a higher deductible and if you are fairly healthy then you should have no problem finding a plan that is under $60/month or so.

Just make sure to choose a plan from a reputable company like a Blue Cross Blue Shield, United Healthcare, Aetna, Humana, etc.

Compare quotes from at least 3 different companies to find the best rate.

Here is some more information on finding student health insurance:

Answer 5

There's a huge price difference between full coverage and emergency care only - that emergency care is like a full coverage policy, with a big fat deductible.  

You need to either sign on with the plan through your college, or talk to a local, independent agent near you for a high deductible, major medical plan.