Cheap Life Insurance for Full - Time College Student, Low Income?
I'm 19 year old female in Ohio. I had previously been on medicaid because I was still a minor. Now that I'm 19, I'm kicked off of it. I'm low income. I have a part time job and I'm enrolled at college full time. I'm looking for a cheap life insurance plan. Also I'm a bit confused about terminology. Okay so is the deductible the amount you pay before they cover anything? Like for example, if it has a $2000 deductible and I go to the doctor and it costs 200 bucks, they don't cover anything? Cause that s. Also like what is coinsurance? Julie, there is nothing on that site. Just a le and nothing else. Shit, yes HEALTH INSURANCE not life insurance. G0 A0, how much do you pay for your insurance?- Try this site yourfinance. co. cc / Insurance_health.html here you can get quotes from different companies in your area, this way you can find a cheap health insurance
- LIFE insurance, pays out if you die. There is no deductible. HEALTH insurance, maybe that's what you mean - and if you have a $2, 000 deductible, that means, you pay the first $2, 000 of medical bills. Coinsurance, is when you have to go into the hospital - you pay a percentage of the bill. With health insurance, you get what you pay for. The cheaper the policy, the higher the deductible - and the less the insurance company pays out. You should probably sit down with a local agent, who can help you balance coverage and cost, to find something you can afford. But if you're in college full time, the CHEAPEST plan is probably the one through your school. It doesn't usually cover checkups or shot, the little stuff - but it's dirt cheap, and if you have a $50, 000 hospital bill, you will be glad you had it. **On pricing. If you're 20 and perfectly healthy, a good low / no deductible plan, without maternity benefits, is going to cost about $200 a month. Maternity benefits are about an extra $300 per month, AND, they have a one year wait on average before you can get pregnant and have that pregnancy covered. If you're 50 and perfectly healthy, that same plan will cost you about $600 a month. The average family plan, cost about $1200 a month. **
- aberration, Life insurance is actually very flexible. Since I live in Montana I am not sure about Ohio regulations, so I recommend you call a nearby insurance agent. goodinternetdeals.com / Life - Insurance.html They will be able to help you
- Your obviously looking for Health Insurance, not Life Insurance. The deductible is the portion you have to pay before they pay for anything not covered in the policy otherwise covered. I know that sounds confusing. Most policies cover some doctor visits per year at a discounted rate. For example my Blue Cross policy covers 6 doctor visits per year at $25 per visit co - pay. Plus all tests are discounted by the insurance company. After you reach the deductible in a calender year, they pay 80% of everything and I have to pay 20%. Look for a policy with a high deductible but with most services included like doctor visits. Call an independent insurance agent or one of the health insurance websites that handle multiple carriers. The reason you want to have the high deductible is it's typically only for something major, and then you can work out payments with the hospital yourself. In the mean time you do not pay for it when your not using it. Coinsurance is when you have extra insurance on top of your existing coverage
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