Affordable Short Term Health Insurance Is Available For Recent College Graduates

For college graduates there are many things for them to worry about like getting a job, finding a place to live, and even what they are going to do for the rest of their life. One of the things they shouldn’t have to worry about is how they are going to find affordable health insurance. Our nation is currently going through a health care crisis and there are millions of people who are uninsured, these people do not have to be college graduates. Many people who do not immediately find a job think that they don’t have the money to purchase health insurance which is wrong.

They not only may be eligible for assistance with health insurance, but they may be able to purchase Affordable Short Term Health Insurance. Many college graduates haven’t even heard of short term health insurance which is one of the main reasons why this type of insurance is often overlooked. Short term health insurance is health insurance that is offered to people who are in-between jobs, just graduating college, recently hired and are waiting for coverage to kick in, or just looking for some temporary coverage as they are in a changing point in their life. This type of health insurance is mainly aimed for health individuals such as college’s students who are looking for a safety net when they are not covered. Through these affordable short term health insurance plans individuals may be covered to up to $4 million if something were to happen. One of the reasons why the amount is so high is because the people who normally purchase this type of insurance are mainly healthy people so they are normally low-risk.

Each plan is different but normally the plans cover an individual or family from anywhere between 6-12 months and depending on the type of coverage you apply for, you may be able to renew your coverage once or twice after your initial coverage runs out. This can be extremely beneficial in today’s economy because it is much harder than normal to find a job because the United States is bordering on a recession. People who may have been able to get a job a year ago may spend months and months looking for a job. Most visits to the doctor’s office, emergency room, medical tests, and even most prescriptions are covered by this type of insurance. Although the co-payment for each doctors visit may be a little higher, it is completely worth it because you won’t be paying thousands of dollars for the care you are receiving. Normally the cost of this type of insurance is between $100-$200 depending on how healthy you are when you apply for the insurance. Remember that this type of coverage does not apply to pre-existing conditions that may have happened before you purchased this type of insurance.