Now that graduation is over and you have your much-deserved degree in your hands, you are probably extremely eager to pursue your dream career. In reality, it might take some time before you actually land the job of your dreams or even get a foot inside the door. You might be searching job sites, polishing up your resume and knocking on corporate office doors for quite some time. In the meantime, you might want to consider a health insurance plan that will cover you until you find your newest job placement.
You will need an affordable health insurance plan as you most likely will be paying off your school loan or your parents for a while. It is a smart idea to stay ahead of the game and get insured while all of the other thousands of new graduates party it up in a reckless manner; minus the health insurance. Here are some health insurance tips for college graduate to consider when seeking out a health plan.
Be in the Know: New Graduates Have Options Too!
Just because you may not have much knowledge about health insurance plans and what they offer, doesn’t mean you should go in blind when selecting the right one to suit your lifestyle. You too have options, just like other adults in the work force. New Graduates can choose health insurance in different forms such as:
Individual health insurance: You can purchase an individual health insurance plan tailored to your lifestyle. If you are young and have an optimal level of health, you may find that this is the best way to go when purchasing a health plan. Seek out a quote from online health insurance sources in your province or state.
Short-term Health Plans: If you have gotten a job out of college, but need to wait through the probation period of 3 to 6 months, you might be able to purchase a short-term health insurance plan. Talk to an insurance provider and get quotes from a few before you decide.
Employer Insurance Plan: You can wait until you get a job to get the health coverage you desire, but take in mind that you will be on probation for a period of time before your health insurance coverage takes effect. This could expose you to risk and enormous fees if any accident or illness should occur.
Family Health Insurance: If you are in your early to mid-twenties you may be allowed to use your parents health insurance coverage until you need to get your own. Make sure you inquire about the rules around having 2 health insurance policies – just in case things change.
Don’t Be Scammed: Do Your Research Before You Buy
There are a lot of scams out there on the internet and in shops within your home town. Make sure you check out numerous insurance providers and also check with your bank institution as they might have some excellent offers. Once you get a quote on a health insurance plan that seems suitable for you and your lifestyle, check out the company with your better business bureau.
Put Money Aside to Pay Your Health Insurance Payment
Make sure you open a separate account or keep a safe at home to protect your money that will be used to pay your health plan. Remember that you won’t be paying premiums. You will be paying your full monthly rate to ensure that you are covered for accidents and illness.
Even though you are just starting out, paying for health coverage will cost you. If you don’t live in Canada or a country that offers socialized medicine (universal healthcare), you will need a plan to protect yourself. Do your research, purchase an affordable and legitimate plan and keep your health intact.