Legend Insurance Services

 

 

 

Health Insurance, Sauk Center, MN

Health Insurance for Students

I'm a college student. Am I still covered by my parents' policies?

It depends on the policy and its terms. For example, most Health insurance policies cover insureds' children up to age 18, or up to 22 if the child continues as a full-time student. If you’re over 18 and not a full-time student, you’ll need your own Health insurance policy.

What kinds of risks do college students face?

College students face many new risks as they head off to school: theft of personal property, auto accidents due to driving long distances, and risks related to attending and giving parties.

How extensive are these risks?

College and university campuses aren’t immune to property crime. A 1995 FBI study reported that there were more than 100,000 property crimes on college campuses nationwide, including burglary, theft, motor vehicle theft, and arson. Thieves took an average of $1,251 of property per offense that same year.

At least one in 10 college students revealed that they had caused an auto accident in the last two years. One in four had a speeding ticket or other moving violation. These and other offenses contribute to higher Auto insurance premiums for students.

Health Insurance for Seniors

As a senior citizen, you may find yourself in a health insurance crisis - no longer covered by an employer's health insurance policy but needing health insurance more than you ever did before. Of course, Medicare covers some of your medical expenses, but how can you get the best rate on health insurance to cover the gaps Medicare leaves?

What Medicare Covers

Once you are 65 years old, you're eligible to enroll in Medicare. Medicare can include several programs:

* Medicare Part A, which helps cover inpatient hospital care, nursing home care, hospice care, and some home health care. Most people pay for this coverage through taxes, so they do not pay a deductible or monthly premium.

* Medicare Part B, which helps cover doctors' services, outpatient hospital care, medical equipment, physical and occupational therapy and some home health care. Most people pay an annual deductible and a monthly premium for this health plan.

* Medicare Part C, Medicare Advantage Plan, which offers you more choices among health plans and extends your benefits.

* Medicare Part D, prescription drug coverage.

In addition, you may need MediGap coverage, which is health insurance that covers what Medicare does not.

Affordable Health Insurance for Senior Citizens

As you can see, health insurance for senior citizens can be confusing. Fortunately, insurance comparison websites can help you gain a clear picture of what health insurance you need, as well as help you find that insurance at a reasonable rate.

Contact us today for more details on senior coverage and be sure you are not over-paying.

 

 

 

 

 

 


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