What Students Need To Know About Obtaining Health Insurance

If you are a student in Newark, there are several things that you need to know about obtaining health insurance. The affordable care act, also referred to as the ACA, requires that you have health insurance. Who provides the health insurance is entirely up to you.

There are three main ways for you to get health insurance in today’s marketplace. These include:

  • Your school
  • Your family
  • An individual plan

More and more universities across the United States are requiring health insurance coverage – and they may even include it within your tuition. This means you will have to look to see what you are spending your money on. If your school offers coverage, be sure it includes dental and vision as well. You also want to make sure that you have calendar year coverage and not simply semester coverage.

If your family plan has you included, this can offer great savings. If you are out of town or out of state, your doctor may not be within the network, however. This means that you may spend a lot of money on co-pays. It may also not provide you with full coverage if you play sports at the school.

Finally, you have the ability to explore an individual plan or you can determine all of the levels of coverage. You will want to explore deductibles and co-pays.

Regardless of where you obtain health insurance, you want to compare rates in order to make sure that you are getting the best deal and the highest level of coverage. You also want to do what you can in order to maintain a high level of health.

When you call us at E.S.T.I.R. Inc. we are able to help you learn more about obtaining health insurance in Newark. Contact us today to obtain quotes from multiple insurance companies throughout New Jersey.