What You Need To Know About Student Health Care Coverage

Student health care coverage is something that you need to think about, whether it’s for you or your child. There are many different options in the marketplace, and you want to make some comparisons so that you are not accidentally overspending by hundreds of dollars a year in premiums.

One of the first things you need to do is read the fine print from your college or university. Many colleges throughout Texas and beyond are beginning to offer health care, and they are adding it into the tuition. This can be several hundred dollars per month. It can be eliminated if you can show that you have a policy from elsewhere.

You can also choose to keep a student on the family health plan. The only caveat to that is that the network of doctors may be local and your student may be elsewhere. This means that there may be a higher deductibles and co-pays because the doctors are out of network.

You can also choose to get an individual plan, which allows you to focus on the type of coverage that you want. The added benefit to go in with such a plan is that you are covered all year long as opposed to just during the school year.

Regardless of what option you choose to go with, you will want to look at the health care coverage. This includes looking at the cost of the deductibles and co-pays, as well as what it covers. You will want to find out what the lifetime coverage cap is and if the plan covers dental, vision, as well as reproductive health benefits.

At Allegiance Insurance Agency, we’re here to help you find student health care coverage. Call us today and learn about some of the options that you have in Plano, Texas.

 

Find Out About The Life Insurance Myths In Plano, TX

Understanding the various life insurance myths will help you to better prepare. Obtaining a policy is important when you want to protect your family. There are options available to you and knowing what to believe will guide you towards being able to get a better policy in Plano.

Some of the best myths are rooted in some truth and therefore you need to know the difference.

Health Affects Premiums

Health is going to have an impact on premiums. However, you can still get a policy to protect your family and that is the important thing. Insurance companies are going to look at your level of health to determine the cost of the premium.

Age of Insured

Your age is going to play an important role as it will impact life span and life insurance is all about your life. You can be of any age to get a policy and when you’re younger, the policies are more affordable because you are young and therefore are likely going to pay for a policy for many years to come.

Employer-Based Policies are the Best

It’s great if your employer provides you with a policy. The main thing you have to look at is whether it is sufficient enough. Look at how much coverage you have.

Buy Cheap & Invest the Rest

If you want to save money, term is going to be the cheapest policy. However, you can invest with whole life as well because of the associated cash value that can be used later on in life towards retirement.

At Allegiance Insurance Agency, our agents are here to help you find affordable life insurance. Call now to learn more about how we can help you with a policy. We will answer questions and get quotes from companies who can write a policy in Texas.