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