Tips on Getting Individual Health Insurance for Young Adults
Let's face it: paying for health insurance is a growing expense. Yet, many young adults cannot afford to live without it. With the new regulations that govern this necessary coverage, it can be confusing to find, secure, and continue essential health insurance. In fact, 75% of young adults who were polled claim that they are significantly uneducated on health insurance regulations*. Here are some tips that can help prevent young adults from becoming a statistic.
Seek Help from an Insurance Agent
Affordable health care options can be hard to find, especially for young adults with limited resources. In the age of the internet, independent insurance agents can be a useful tool. These individuals are licensed to write insurance and have extensive education regarding health insurance reform laws and regulations.
Capitalize on Special Enrollment Periods
Typically, open enrollment for insurance is in November and December. By making sure that health insurance is obtained during this time, young adults can ensure there is no lapse in coverage or a prolonged period of being uninsured. If this deadline is missed, the ability to obtain health insurance coverage can be significantly impacted.
Study and Understand Current Coverage and Documentation
Oftentimes, insurance documents are thrown aside when received in the mail. Take time to read those documents and understand coverage limits, deductibles, and provider requirements. This can help young adults from incurring substantial costs from out-of-network providers and can provide guidelines for policy coverage, conditions, and exclusions. Being aware of the constraints of current coverage is detrimental to maintain sufficient insurance.
Research Coverage Before Travelling
Travelling out of state and country can greatly limit insurance coverage. Depending on the location, in-network providers may not be available. Prior authorizations may also be required. By speaking with a location insurance agent, different coverage options can be explored.
Who Can You Call?
Schnitzer-Slate Insurance Agency can help you explore available health insurance options and choose the plan that is the best for you. Make Schnitzer-Slate Insurance Agency your number one source for health insurance Wilmington NC. For more information, visit our website or give us a call at 910.338.0686.
* https://www.ehealthinsurance.com/resources/individual-and-family/tips-getting-individual-health-insurance-young-adults
Seek Help from an Insurance Agent
Affordable health care options can be hard to find, especially for young adults with limited resources. In the age of the internet, independent insurance agents can be a useful tool. These individuals are licensed to write insurance and have extensive education regarding health insurance reform laws and regulations.
Capitalize on Special Enrollment Periods
Typically, open enrollment for insurance is in November and December. By making sure that health insurance is obtained during this time, young adults can ensure there is no lapse in coverage or a prolonged period of being uninsured. If this deadline is missed, the ability to obtain health insurance coverage can be significantly impacted.
Study and Understand Current Coverage and Documentation
Oftentimes, insurance documents are thrown aside when received in the mail. Take time to read those documents and understand coverage limits, deductibles, and provider requirements. This can help young adults from incurring substantial costs from out-of-network providers and can provide guidelines for policy coverage, conditions, and exclusions. Being aware of the constraints of current coverage is detrimental to maintain sufficient insurance.
Research Coverage Before Travelling
Travelling out of state and country can greatly limit insurance coverage. Depending on the location, in-network providers may not be available. Prior authorizations may also be required. By speaking with a location insurance agent, different coverage options can be explored.
Who Can You Call?
Schnitzer-Slate Insurance Agency can help you explore available health insurance options and choose the plan that is the best for you. Make Schnitzer-Slate Insurance Agency your number one source for health insurance Wilmington NC. For more information, visit our website or give us a call at 910.338.0686.
* https://www.ehealthinsurance.com/resources/individual-and-family/tips-getting-individual-health-insurance-young-adults