Changes in Big Health Insurance for 2013 College Grads

Mom & Dad’s health insurance plan – A parent health insurance plan is best for you if you are thinking of moving back to your parent’s place, and you are looking for quality coverage or employer-based coverage is not available at the moment. With the help of the Affordable Care Act (ACA) now a person graduating lgbtq social network from college can stay insured under his parent’s health insurance plan till the age of 26. This is a very nice option for some of the graduates. But there are negative sides of this, like increased premium for the parents, or if you are not in the state then it is not possible to get the assistance of network doctor at the time of requirement. So these are the things that can hamper the benefits of your coverage.

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High-deductible health insurance plan – if you are not covered under any employer-based health insurance and want quality coverage, but do not have the need of it, as you are in a good health conditions and are not taking any kind of medical drug regularly, then you should go for a high deductible insurance plan. These are the traditional insurance plans with higher deductible. Here the meaning of higher deductibles is lower monthly premiums. Some of the higher deductible plans can be used in the health saving accounts, by which you will be getting some tax advantage and saving a considerable amount of money.

Short-term health insurance plan – If all you want is the basic emergency coverage, or your employer-based coverage is not enough for you, then a short term health insurance will be a good option for you. The short term health insurance plans are easy to qualify and quite affordable. But it should be kept in mind that the short term plans do not cover the pre-existing conditions, preventive care or prescription drugs. You can easily purchase a short term health insurance plan.

All employers have responsibility of guiding their employees about the health benefit schemes offered by them. Even the employees on the other hand also have the right to receive information about the health benefit schemes offered to them. Therefore an employer has the right to inform the employees about certain information regarding the health benefit schemes. For this reason, organizations have created the position of Health Benefit Manager having communication as one of the responsibilities for health benefit related schemes and procedures.

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