Jeff Cline
Health Insurance for the young adult
There comes a time in your young adult life when you no longer qualify for your parents health insurance coverage. It was never a real big deal until now. Many times you are just getting into the working world and employer benefits are just not an option. So you ask “what are my options?”
Many major carriers have individual health plans. Many carriers have plans especially tailored with your age and lifestyle in mind. So if you are not eligible for a group plan individual health insurance is a really good alternative.
There are many plans that are designed with your needs in mind. They know what you expect and what is important to your generation. Some good examples are the Unicare Sound and Blue Cross Tonik plans. These plans are specifically designed to appeal to the 20 something’s.
One of the things 20 somethings find imporatant is a office visit co pay. They want to know how much they need in their pocket when they make a visit to the doctor. Some of these plans have made the office visit all inclusive, by including lab and x-ray expenses to be covered ubder that office vist co pay.
Young people are loving this feature! Most are on a fixed income or have student loans to manage and just can not afford 2 or 3 bills for a office visit. It is one worry they do not want added to their plates. A $30 co pay is much more manageable then a bill for $200.
Another added bonus we are seeing in the plans are dental and vision benefits. Typically , you would have to add these benefits for an additional cost. These plans have one affordable premium with the added benefits built right in.
The young adults hated the 80/20 co insurance mambo jambo talk. So carriers answered by giving them straight talk. They meet a deductible, then the carrier pays 100%. Nothing confusing about that!
Kudos to the carriers for wising up and seeing the need for simple affordable plans for the 20 something group. they have unique needs and are very financial savvy consumers. They do not need or have to go without health insurance like the days of our parents.