I'm a returning student into the nursing program and have plans to get health insurance through my school.I'm 21 now and will be getting covered on my own,without the parents help.There's so much information I don't know where to start to review Pearce & Pearce health insurance that my school provides.
Insurance - 7 Answers
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1 :
costs
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Annual cost of Policy. Amount of deductible and copay List of doctors covered. Annual checkups covered?
3 :
If you are generally healthy, don't take or need prescriptions or ongoing care, you will save money by taking out a larger deductible plan. You just need to make sure you have savings set aside to cover the remaining balance of the deductible, should worse come to worse. Make sure the plan has a doctor copay that you can afford. I wouldn't recommend a high deductible plan that does not have a copay. The site below can assist in working out the plan and deductible you should choose.
4 :
I would look at what they cover, since your healthly you don't need everything under they sun. Make sure that you don't drop your coverage now, otherwise you can get hit with pre-existing! Look at cost, coverage, out of pocket cost. Make sure that they offer Well Care so that your annual checkups are free! (They cost around $500 each year)
5 :
Windy - Before "signing on" to the plan at school, get a few quotes to see what's available on your own (that is, with an individual policy). That way, it won't matter whether you're a student, full time or part time, or even taking some time off, etc. (it won't depend on you remaining a student to keep the coverage). Once you have a few sample rates (see below for some links to get prices) you'll then be better able to compare the school's offering to what you can get elsewhere & see which is the better plan for you. Here's a few additional tips: 1. Don't buy more coverage than you think you're likely to use. Plans with lots of really great benefits (low deductible, doctor & drug copays, routine checkup benefits, etc.) are really nice, but all that will raise the cost. Are you looking for health "insurance" or "health care financing?" The point of "insurance" is to help you pay for something you can't handle yourself, like an expensive surgery ($50,000+) or radiation/chemotherapy, etc., etc. (Does your auto insurance pay for routine service, like oil changes, new tires, or a brake job?) 2. Even if you buy a plan with a big deductible ($2,500 - 5,000) you'll still find plenty of plans that will still include doctor & drug copays. 3. You may want to contact a local broker near you who specializes in health insurance (see NAHU.org below). 4. Remember: your monthly premium is a fixed cost you'll have to pay, while the actual health insurance benefits are items you'll face ONLY if you have some health care. Keep your fixed costs down by considering a higher deductible plan. 5. Finally, stick with the "brand name" companies, like Blue Cross, Aetna, Humana, etc There are a lot of plans around that look good, but when crunch time comes for the big claim, there's no such thing as a "free lunch." Don't gamble with something that might be this critical. Hope this helps a bit!
6 :
Most will charge you co-pay so if you have frequent doctor visits, always make sure you check the one with the cheapest co-pay. Usually they have annual fees so watch out for that. I hate hidden fees so what I do is I look online to check for reviews. The last thing you want to do is pay over hundreds of dollars on hidden fees.
7 :
You can easily check your minimal health care rates in internet, for example here - healthplans.my-age.net
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