Health Insurance, Syracuse, NY

Health Insurance for Gradutates:

Graduation is over and now you're one of the thousands of young adults ready to start pursuing your future career. And maybe you're a little freaked out by the uncertainty of it all.

So, while you're polishing your resume and surfing the job sites, consider a low cost health plan. Here are a few things to keep in mind:

Higher Deductibles Mean Lower Payments
On a health insurance plan, the annual deductible is the amount you have to pay (not counting co-payments) before your health insurance kicks in. Health insurance plans come with various deductible levels, ranging from $500 or less to as much as $5,000 a year. Typically, the higher your deductible, the lower your monthly payment will be. But choosing a plan with a high deductible doesn't mean you're unprotected.

Location, Location, Location
Believe it or not, health insurance rates vary across much of the country. Ironically, cities that have higher costs of living often have cheaper health insurance rates. For example, California is often considered one of the most expensive states to live in, but its health insurance rates are often more affordable than those of other states. Each state has its own rules and regulations that affect competition among health insurance companies, and, as you might remember from Economics 101, competition is good for consumers!

Short-Term Means Cheaper
Just like the name implies, short-term plans are intended to cover you while you're in-between other coverage. You can buy plans for up to a year that will cover you in the event of an expensive injury or illness.

So think twice before going without health insurance. You may not have much income yet, and you may be facing some hefty student loans, but why risk adding thousands of dollars in medical debt on top of it all?

Immigrant Insurance - Eligibility
Immigrant Insurance is for non-United States citizens immigrating to the US or those in the US on long term work assignments (H1B & H4 visa holders). Insurance for immigrants are offered by trusted immigrant insurance companies. Immigrant insurance plans offer options to purchase for as short as 1 month to as long as 5 years. All immigrant plans are renewable; so one could purchase in monthly, quarterly, semi-annually or annual increments. Some immigrant health insurance plans require you to be enrolled on the plans within 24 months of arrival in the United States.

Seniors or elderly (65 years and above) immigrating to the US will not be eligible for Medicare (healthcare provided to seniors by US Govt.) till they become US citizens. It typically takes 5 years for new immigrants to become eligible for US citizenship. Our Immigrant Insurance plans can serve as a bridge insurance plan covering the sudden sickness/injury of new immigrants till they move on to US Medicare insurance.

Contact us for more details on how we can save you money on Health Insurance.

This Agency is a certified IMMS member and consistently meets or exceeds the highest level of customer satisfaction.