As a student in Huntington, you have to consider where you are going to get health insurance. Not having a policy is not an option. Even though you may be a healthy college student, there are reasons to get a policy. It is required by the ACA and you want to focus on your health now and for your future.
If you are currently on your family’s policy you can stay there until you are 26. However, their policy may not be what’s best for you based upon where you are going to school. The doctors you want to visit may be considered out of network, therefore costing you a significant amount of money out-of-pocket.
If you go to a school where there are school-based healthcare plans, you may want to look at letting the school choose a policy for you. These can be costly and they may only provide you with coverage during the fall and spring semesters when you are enrolled.
Another option is to go with an individual plan. This is where you will want the help of an experienced insurance agent to guide you through the options available in Texas. You can learn about deductibles and co-pays and coverage, as well as adding coverage for vision and dental within the policy.
A lot can happen while you are in school. Studies show that it is in college that many people binge drink, begin to smoke, and gain weight. Try and be as healthy as you can so that you don’t have to rely on health insurance too significantly.
At Integra Insurance Services, we can help you find affordable health insurance as a student. Call us today and our agents will talk to you about the needed coverage and the various options available to you.