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If you’re in Burlington, you need to know healthcare coverage options. The moment you turn 18, you’re required to have insurance according to the Affordable Care Act. The good news is that there are a few options – and also a few ways to save money on the policy, too.
The three most common options available to you are:
- Get insurance from your school
- Stay on your parent’s policy
- Get a policy on your own
Each has pros and cons. This means you will want to work with an agent to figure out which best fits your needs.
Some of the issues that you may run into include:
- Semester coverage versus calendar year coverage
- Doctors being out of network
- Cost of deductibles and co-pays causing out of pocket expenses to skyrocket
- Not enough coverage
Ideally, you want coverage that includes your preventative care, sick care, ER visits, and even prescriptions, dental and vision coverage. Not all policies are created the same and therefore you want to figure out what your budget is and how to maximize on that budget.
It is also a good idea to stay as healthy as possible. Every year, binge drinking happens around campuses. Studies have also shown that many students start to smoke when they turn 18. There are also over a million new cases of sexually transmitted diseases every year. By exercising some caution, you can stay healthier and avoid an array of health issues. The healthier you are, the easier it is to find affordable health care in North Carolina.
Contact us at Don Allred Insurance today to learn about health care coverage options as a student in North Carolina. We are happy to help you find quality policies that work for you in Burlington.