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.

 

 

When you get married, there are many things to think about. From starting a family to buying a house, many of these decisions are rather important ones that will have a major influence on your happiness in life. You should also take into consideration whether or not getting married is good or bad for car insurance rates. Here’s a quick look at how getting married can affect your insurance premiums. 

Spouse has poor driving record

If your soon-to-be spouse has a poor driving record, this is going to reflect poorly on your rates once you get married. Every speeding ticket and accident that your spouse gets will cause your rates to increase. 

Spouse has great driving record

Is your driving record not so great? If not, then if your spouse has a decent driving record, this may help you in the long run because it can lower your rates. 

Neither spouse has had insurance before

Are you and your soon-to-be spouse straight out of high school? If so, then there’s a good chance that you’ve never had an insurance policy is your on name before. If this is the case, you’ll definitely want to get insurance as soon as possible in both of your names. The longer you have insurance, the lower your rates will be, especially if you keep a clean driving record. 

To learn more about how getting married will affect your insurance rates, please don’t hesitate to visit the Integra Insurance Services website today. By understanding how insurance works, you can rest assured in knowing that you have the best policy available for you and your spouse.