If you’re in Burlington, you need to know healthcare coverage options. The moment you turn 18, you’re required to have insurance according to the Affordable Care Act. The good news is that there are a few options – and also a few ways to save money on the policy, too.
The three most common options available to you are:
- Get insurance from your school
- Stay on your parent’s policy
- Get a policy on your own
Each has pros and cons. This means you will want to work with an agent to figure out which best fits your needs.
Some of the issues that you may run into include:
- Semester coverage versus calendar year coverage
- Doctors being out of network
- Cost of deductibles and co-pays causing out of pocket expenses to skyrocket
- Not enough coverage
Ideally, you want coverage that includes your preventative care, sick care, ER visits, and even prescriptions, dental and vision coverage. Not all policies are created the same and therefore you want to figure out what your budget is and how to maximize on that budget.
It is also a good idea to stay as healthy as possible. Every year, binge drinking happens around campuses. Studies have also shown that many students start to smoke when they turn 18. There are also over a million new cases of sexually transmitted diseases every year. By exercising some caution, you can stay healthier and avoid an array of health issues. The healthier you are, the easier it is to find affordable health care in North Carolina.
Contact us at Don Allred Insurance today to learn about health care coverage options as a student in North Carolina. We are happy to help you find quality policies that work for you in Burlington.
When it comes to saving money in Burlington, many people forget to review their insurance options. Life insurance, the same as most other types of insurance, can provide valuable benefits when the policies are properly invested in. People with life insurance policies are often able to leave their families and loved ones with a substantial amount of money to cover a range of living expenses, allowing them to maintain their standard of living. Unfortunately, though, many people end up believing a variety of life insurance myths, which causes them to miss out on the benefits of life insurance. Here’s a close look at two of those myths.
Stay-at-home parents don’t need life insurance
This myth couldn’t be any further from the truth. Stay-at-home moms (or dads) may not earn an income, but the tasks that they perform on a daily basis most definitely save families a lot of money. From transporting kids to and from school and extracurricular activities to preparing meals three times a day, some studies have suggested that a stay-at-home mom’s financial value is upward of $40,000 a year. Because of this, these mothers should carefully consider the benefits of life insurance.
Life insurance is only for the wealthy
Perhaps the reason that many people think life insurance is only for the wealthy is because they only hear about wealthy people’s investing in these policies. Truth is, though, life insurance is very affordable, especially when invested in at a young age. Just remember, the sooner you invest in life insurance, the cheaper your premiums will be. Don’t be fooled into thinking that only the extremely wealthy need to invest in this type of insurance. Contact Don Allred Insurance today to learn more about your life insurance options.