If you’re under 26, you’re one of the lucky young adults who can maintain health care coverage under a parent’s plan.
If your parents don’t have coverage or you’re over 26, it’s time to find a health care plan to suit your needs.
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Buy health insurance in the marketplace.
Health insurance is already a complex topic. Combine that with understanding health care laws and purchasing a policy that meets federal guidelines, and you’ve got a monumental task in front of you. Get in touch with an insurance expert at UROne Benefits™ who can guide you through the decision process.
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Consider high-deductible plans.
Buy a health insurance plan that provides comprehensive coverage, protecting you if you have an accident or get hospitalized. These plans have lower premiums and include preventive benefits.
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Choose a short-term medical plan.
A short-term medical plan is an ideal choice if you’re generally healthy but can’t afford to purchase health insurance in the marketplace. Consider purchasing short-term medical if:
a. You just graduated from school or you’re currently a student and are no longer eligible to be covered on a parent’s plan.
b. You are not employed or are between jobs.
c. You didn’t buy insurance during the last open enrollment period.
d. Your new job has a probationary period before health insurance coverage kicks in, so you’re currently uninsured.
e. You work part-time jobs and are not eligible for health insurance or no coverage is offered.
An up-close look at short-term plans
Here’s what a short-term medical plan might look like:
- $1,500 deductible
- 80%/20% coinsurance
- Comprehensive coverage
- 1-11 months coverage period
- $1 million coverage-period maximum
- Monthly premiums as low as $50 to $75 per month
As you can see, short-term health insurance can provide maximum value at a reasonable cost per month. A short-term medical plan can help you maintain financial stability while providing protection for your physical health.
When life becomes unpredictable, you need flexibility. With a short-term medical plan, you can choose to be covered for as short as one month, or up to 11 months.
You must complete a simple health questionnaire and you can be declined. You will not be covered for pre-existing conditions and there is no coverage for maternity.
Protect yourself
You don’t have to settle for going without health insurance. Creative options exist for getting covered without breaking the bank.
Talk to a seasoned health insurance pro at UROne Benefits™ at 1-800-722-7331 or contact us here.