Health Insurance Alabama AL

Reader’s Question:

My son is graduating from college in Alabama. He will be 23 when he graduates (he took a year off) – which will drop him off from our health insurance in Alabama. He is planning to take some time off before he goes to graduate school and I am presuming that he will be insured if he will have a job. Our own health insurance provides an interim coverage for 18-36 months after you go off the family policy, which will cost over $300 per month. I would like to start searching for other health insurance possibilities. Any tips?

Catherine

Huntsville, AL

Hi there, Catherine!

Just like when my daughter turned 23 before she was graduating college, she came back to the Bay Area to have an unpaid internship, and no health insurance coverage. Fortunately, we have HealthNet. I found a policy when I went to Kaiser website. We pay $110 monthly and on top of that a co payment of $50 on every visit. Coverage includes health, vision, and dental. Though there is a realty total deductible that is relatively high but not like a couple days in the hospital. She has been to the doctor once since she had that health insurance and it cost $200 plus co payment of $50. That’s so much better than paying $300 per month. You better move fast though and decide right away since your window period is only too little to risk your daughter uninsured. Though it does not cover pregnancy, so better ask about this first. Though, she would not be required to get a health exam…just would have to sign up for application.

Also, there can be other factors to think of like, short term health insurance which you can avail in case your daughter will eventually get a job that will offer health insurance coverage. There are also standard health insurance plan which covers her at reasonable costs as long as she does not have any pre-existing medical conditions. Get the best help from experienced health insurance agents in Alabama who can learn the facts for your options to decide your best option depending on your budget and plan type. There’s no added cost to consulting an agent and your claims and renewals can be expedited through their help. Another thing is for you to watch out for policies that will not cover maternity.