I am a part-time college student. I had been covered dependent in my father’s plan until I turned 25. Naturally, I now have to go for COBRA to extend my health insurance coverage. But its monthly premium costs are beyond what I can afford. Is there a basic and cheap health insurance out there that would cover doctor visits and prescriptions?
On the other hand, if you are healthy, there are plenty of available cheap health insurance depending on the coverage you want. You may even find some very good policies with a monthly premium of $120 to $200 that have high deductibles, but still provides significant basic coverage. Nevertheless these vary from state to state. A plan that includes coverage for major illnesses, but does not pay for doctor visits or prescriptions, and has a high deductible is probably the best way to get cheap health insurance. You will likely save on your healthcare costs unless you need expensive types of prescriptions or you need ongoing doctors visits. In shopping for a cheap health insurance, you may also consider the offered student insurance in your school. Just remember to check the school insurance policy first before buying one. You could also contact an independent local insurance agent in your area to assist you in deciding for a cheap health insurance that is just right for your needs. Answer by Moderator - June 19, 2009 @ 3:47 pm No CommentsNo comments yet. Leave a comment |
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If you are looking for a cheap health insurance, staying with your father’s health insurance through COBRA may not be a reasonable option for you since this is probably one of the most expensive options, unless you have a pre-existing health condition, which a new health insurance plan might not cover. Having a pre-existing health condition would be a problem for you in looking for a cheap health insurance policy, one way or another.
