Students Need Health Insurance

The economic recession is making the need for health insurance stronger than ever. Most Americans are aware of the fact that senior citizens need coverage since they experience illnesses more often than younger people. Still, young students need health insurance just as much as anyone else. Without adequate coverage, young people and their families face the risk of financial ruin.

According to the U.S. Census Bureau, 85 percent of Americans have some form of coverage. The vast majority have health insurance through their jobs. Recent job losses have caused some families to cut back on their health insurance or risk going without it all together. In some cases, parents will try to cut costs by covering themselves but not their children. They do this since children and teens are less likely to develop chronic conditions such as heart disease, diabetes, and cancer. This is a big mistake.

It is important to keep in mind that children need continuous health care throughout their formative years. They will have to see a physician several times a year from infancy until their teen years. This will include their routine check-ups for vaccinations, and appointments to chart their growth and development. Furthermore, there will be many unexpected trips to the doctor when children are injured in accidents or become ill.

Conditions such as ADHD, asthma, and autism, usually surface when children are very young. Students need health insurance so that they can have access to health care providers who can recognize the early symptoms of developmental delays or learning disabilities. Certain viruses that are left untreated in children can cause permanent disabilities, so a lack of medical coverage can lead to life-long health problems.

College students need health insurance as well. However, many of these young adults often go without it. This is another age group where families often underestimate the need. The reason is because many college students are healthy. Also, some colleges and universities have clinics where students can get treatments for minor injuries and illnesses. Still, students who don’t have health insurance will not have coverage for emergency care.

A major accident or injury that requires hospitalization could cause a substantial financial burden for students who don’t have health insurance. No student should have to face something like this. Students should have the freedom to spend their college years exploring their educational opportunities and building their futures. They should not be stressed out over a mountain of medical bills or be consumed with worry over the possibility about what could happen because they don’t have health insurance.

There are several options available, when you are searching for health insurance for students. If you log onto www.gohealthinsurance.com to obtain health insurance quotes for different companies, for you to compare.

Affordable Kentucky Individual Health Insurance

Most Kentucky residents get health insurance through an employer-sponsored group health plan. If you do not come under such a plan, that’s when you should consider finding affordable Kentucky individual health insurance to cover yourself and your family. Individual and family health insurance plans are available for newborns on up to the seniors at age 65, self-employed and unemployed persons and students.

Selecting an Affordable Health Insurance Plan

Insurance companies offer different kinds of private individual health insurance plans for Kentucky residents. These include indemnity health insurance (fee-for-service), HMO (health maintenance organization) plans, PPO (preferred provider organization) plans, POS (point-of-service) plans, and HSA (health savings account) plans. A greater choice of doctors and hospitals usually means that a plan will cost more.

Leading insurance companies offering affordable health insurance in Kentucky include Humana, Blue Cross Blue Shield, Aetna and United. They offer various kinds of policies depending on the kind of coverage you need and the state of your health. A health plan would cost more for a person with health issues. However, according to recent legislation, individuals cannot be denied health insurance because of a pre-existing condition.

The best way to find an affordable Kentucky health plan is first see how much premium you can afford to pay and then look for a plan that meets your budget as well as the health needs of your family. You need to compare the quotes for the plans from various health insurance companies. Premiums differ for different kinds of individual health plans. Besides traditional health coverage and HSA-qualified High Deductible Health Plans, it would be helpful if there is a provision to add on optional benefits such as dental, life and supplemental accident coverage for an additional cost.

Get Professional Advice

Professional companies that represent leading insurance providers in Kentucky offer expert guidance on selecting the right kind of health insurance plan. They can help you get quotes and compare them to get affordable individual Kentucky health insurance.

How to Get Cheap Temporary Health Insurance

Need cheap health insurance to cover you for anywhere from one month to a year? Whether you’re between jobs, going to school, or working without benefits, don’t take the risk of going without health insurance. Instead, find the protection of a temporary health insurance plan.

What about COBRA?

If you’ve been working at a job that offered group health insurance but you’ve been laid off, quit, or fired, COBRA health insurance lets you temporarily remain insured under the group health care policy. Sound good? It can be, especially if you have a pre-existing condition.

With COBRA, you’ll receive the same benefits and coverages you had as an employee. The main disadvantage to COBRA is that you have to pay the insurance premium yourself, instead of your employer paying a portion of it. Therefore, COBRA coverage is usually expensive.

Other Temporary Insurance

Short term or temporary health insurance is an affordable alternative to COBRA coverage. It typically costs less than COBRA and lets you choose any doctor or hospital. It provides the same coverage as other health insurance plans, including:

* Doctor visits

* Inpatient and outpatient treatments and procedures

* Surgeries

* Other hospitalization services

However, pre-existing conditions or preventative care are usually not covered.

Finding Affordable Temporary Health Insurance

Because temporary health insurance plans are typically designed for the unemployed, insurers strive to keep the plans affordable. To find the most affordable plan for you, begin your search by visiting an insurance comparison website. Once there you’ll complete a short form with information about yourself and your insurance needs. You’ll then receive quotes for temporary health insurance plans from multiple A-rated companies.

Some comparison sites even have a chat feature so you can get answers to your questions about temporary health insurance from an insurance professional. (See link below.)

Visit or click on the following link to get temporary health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on temporary health insurance.

Some Health Insurance Is Better Than None

This day and age is probably the toughest health insurance issues my generation will ever see. You may have lost our job or the job you have is dropping your coverage or simply raising your premium and you cant afford it. Here are some suggestions that may be helpful to a situation you might be in.

What we really need to convince our selves with is that not to have any health insurance is bad for us all. Yes we can be saving but the guarantee of not getting sick or injured is a very small percentage. I know how tough it is because you may have a pre-existing condition or maybe your self employed or possibly just flat broke. Start doing your homework and look for the best coverage you can afford. Two key words, afford and best.

Find a job, any job. Even if it pays minimum wage and regardless of what you have to do. Could be a part time job or a night shift. Be careful about part time jobs, some companies will provide some coverage but make sure its what you need. Another idea is to join an association or membership. Many of them may provide a real good plan that could be affordable. A large membership can provide it cheaper than trying to get insurance individually.

Great coverage has to be affordable. Consider just having coverage for catastrophic, some is better than none. If you see a doctor once a year, catastrophic will be the least expensive. This will give you a large deductible but keep your premium really low. This will cover you when a long term or unexpected illness may occur. Something like an $40,000 surgery.

If you dont end up getting any health insurance at all I have found that you could talk to your doctor when you have that once a year visit. Let him know what situation your in, cash payment may reduce the cost of some procedures and maybe help with medications. It cant hurt to ask and some doctors my be accommodating.

I think this is helpful stuff, most have been through many experiences I have had and also from friends and family. Talk about health insurance with other people, sometimes what they know and what they might be going through may be beneficial information for you.

Budgeting monthly for your health insurance needs to be crucial right up there with your other required bills. For the greatest cost, you need to get some health insurance quotes and then compare the benefits.

Overseas Travel Cum Health Insurance And Benefits

Vacationing overseas for business, leisure, and education is a humdrum affair today. What is important is getting insured with overseas health insurance. With an overseas medical insurance policy, you can stay secured from unforeseen medical emergencies. Health care is expensive in foreign countries. Then you may come across other hassles such as losing passport, checked baggage, and related paraphernalia. If you are insured with overseas travel insurance, you need not worry. The insurer will take care of everything.

If you are flying overseas once in a year or if it is a first time trip and there are no such trip plans in the near future, you may opt for single trip overseas travel insurance. If you are a frequent traveler, opt for the multiple trip plan. This will help you save on the overall premium and gain more benefits. And then there are certain rules and regulation formulated for traveling to select countries. For few countries, it is a must to buy overseas travel insurance. For example, the Schengen visa for Europe can be issued only if you buy overseas health insurance. Then for certain countries, it is not a must to buy one. It is up to you whether you want to stay financially safe and enjoy a hassle-free trip or get ready to face and bear risks. When you get coverage for personal accident, repatriation, medical expenses, emergency evacuation, loss of checked baggage, loss of passport, etc. against a meager amount, why hesitate or step back. Buy overseas medical insurance that best suits your requirements and ensure a wonderful trip.
Benefits offered under different overseas health insurance plans of different insurance providers vary in few aspects. Maximum of the benefits offered are common in almost all plans. Then there are dedicated plans for certain countries. For example, if you buy Bajaj Allianz Travel Elite Asia overseas travel insurance, which covers all countries in Asia except Japan, you get cover for personal accident and disability, medical expenses and repatriation, loss or delay of checked baggage, loss of passport, trip delay, curtailment and cancellation, hijacked plane, home burglary, and more.

Buy overseas medical insurance at eIndiaInsurance.com. Here, using a unique insurance comparison tool, you can compare insurance policies in no time and get instant quotes with few clicks. eIndiaInsurance offers three payment options cheque, credit card, and debit card for buying. You pay no extra charges to buy overseas travel insurance.