Stephanie Said:

Health insurance for young adults?

We Answered:

No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.

http://insurance.deal4-you.com

Good luck.

Caroline Said:

Health Insurance Question for young adults.?

We Answered:

If I were you, I'd seek alternative routes for health insurance (better safe than sorry). Yes, I completely understand what it's like to be a full time student with no time whatsoever to actually work and get your own insurance, but if your step-dad doesn't do the paperwork, there really is nothing you can do. When I was in college and had no insurance, I used the Planned Parenthood to get my FREE pap smear, utilized dental schools to get FREE cleanings and dental work done, and the college clinic to get FREE check-ups. Yes, the service was not exactly a walk in the park, BUT I did get my health checked when I needed to. Also, a lot of these places have really long waiting lists, so even if you don't need to be seen now, go ahead and make an appointment (I had to wait 6 months before seeing the FREE dentist students.) Best of luck to you!

Phillip Said:

Best Health Insurance for Young Adults?

We Answered:

Only you can determine what is the best health insurance plan. I say that because you are the one that has to make the decision of what the right balance is between affordability and policy benefits.

For example, if you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. Is the most comprehensive policy coverage the best health insurance? You have to decide.

On the other hand because you are young, presumably healthy and probably use the health care system sparingly you could consider an Health Savings Account plan that covers only the major health catastrophe.

If you'd rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. Consider higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Is this approach the best health insurance policy? You have to decide.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Armed with knowledge of the coverage available and the associated costs you can decide what is the "best" policy. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you already know that there is more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.

Thomas Said:

Health Insurance for Young Adults?

We Answered:

These are best.

Blue Cross Blue Shield
Celtic
United Healthcare
Humana
UniCare
Aetna
Assurant Health
Golden Rule
Kaiser Permanente

Clifton Said:

How does a young adult get health insurance?

We Answered:

You can contact insurance companies and compare rates but honestly it will cost you less if you go through your employer. The monthly premiums will be much lower and they take it out of your check so you don't even feel it.