Turning 26? Don't Panic! Here's How To Get Insurance
If you are turning 26 soon, you probably know that you will shortly be no longer eligible to stay on your parent's health insurance. If you are unfamiliar with health insurance, then you may not be sure what your next step should be. If you are feeling confused about where to go or how to get started, you may appreciate the following tips. They should help you to feel a bit more confident on how to move forward.
Research
Before you choose an insurance provider, you may want to do a bit of research as to what options you have. For example, if you work, your employer may offer health insurance. This can be substantially cheaper than trying to pay for it on your own, since your work may help to pay for it. Some employers only offer health insurance to their employees who work a certain number of hours. Some universities also offer student health insurance. Look into all of your options.
Check Your Budget
Before getting too excited about insurance quotes and offers from companies, you should look at your budget and see how much you can afford. You may need to prioritize your other spending to make room for this new bill, but should you become ill or have an accident, it will be totally worth it.
Get Insurance Quotes
Once you have some idea of what you can afford, you can start to get insurance quotes from agents near you and online. There are many online services that can help you to compare insurance prices for you, though be careful about giving information about yourself out. If at all possible, give them your email address over your phone number. This will help you avoid multiple calls a day from agents who want to insure you.
Narrow It Down
Once you have a few insurance quotes, you can start to narrow down who you want to go with. Some agents may even show you specific plans you could sign up for. If you are currently being treated by a doctor or have prescriptions, you should make sure that those things are covered. Call your doctor and ask if they accept a certain plan. Check that plan's drug formulary for medications you are taking. This could save you the hassle of having to switch around your life too much.
In conclusion, it is not too hard to get new health insurance. If you are really struggling with how to move forward, you may want to talk to an insurance agent near you. However, keep in mind that there are many online insurance companies that offer very competitive rates. Good luck with your search!
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