| Health insurance is a topic that seems to | | | | families the opportunity to buyhealth |
| always be in the news here in the United | | | | insurance at a greatly reduced cost, compared |
| States. Whether it's a topic in the | | | | to buying a private policy. If your employer |
| presidential race or the latest attention | | | | offers Group coverage you should take |
| getting tactics of film maker, Michael Moore, | | | | advantage of it. |
| there's always something new coming up to | | | | |
| keep the topic in the public eye. | | | | Short Term |
| Unfortunately, most people don't even have a | | | | |
| basic understanding of health insurance, the | | | | Short Term health insurance is exactlt that, |
| different types of health insurance or what | | | | "short term". It's designed for individuals |
| is available to them. Here is a brief rundown | | | | that only need a temporary policy, such as |
| of the different types of health insurance | | | | students graduating from college that no |
| available and what they're meant for. | | | | longer have a student health plan, but |
| | | | haven't found a job yet, or an individual who |
| Individual or Family | | | | is between jobs and needs short term |
| | | | protection. |
| This one is pretty obvious. Individual and | | | | |
| family plans are private policies that | | | | Student Health Insurance |
| provide protection against illness or injury. | | | | |
| The amounts of coverage provided are | | | | This is also pretty self explanetory. Kids |
| different and depend upon the plan purchased. | | | | leaving home for college are generally no |
| Premium payments are determined bythe amount | | | | longer covered by their parents policy, |
| of coverage provided within the plan, the | | | | therefore, they need their own protection. |
| deductible amount, Riders, etc. | | | | These are policies thare designed |
| | | | specifically with the needs of students in |
| Group Health Insurance | | | | mind. |
| | | | |
| This is similar to the example above, with | | | | There is of course, more to these policies |
| the main difference being that Group health | | | | than what I've given here, but the idea was |
| insurance is mostly purchased by an employer | | | | just to get you familiar with health |
| seeking to provide low cost health care to | | | | insurance and some of the different types of |
| their workers. This gives individuals and | | | | coverage available to you. |