SnaX asked:
I’m 22, not in school,
I own an online store
I’m 22, not in school,
I own an online store
sooo, what can I do for health insurance?
Bobby
What do you do for health insurance when you own your own online clothing store?
You call a local, independent agent, and get a quote for an individual health policy. Which will probably cost you about $200 a month.
please try this
help!
work just enough at a part time job to qualify for insurance with the employer or call your local blue cross blue shield (or other health insurance company) for a personal policy. if you go with a broker you’ll pay more becaue they want a share of the money you pay!
I normally do not bicker with other people who answer questions - however, in this case - the individual who said not to use a broker because you’ll pay more is absolutely wrong!
As a Nevada Insurance Broker - we get paid from the insurance carrier - and you the consumer pay the same price for the health insurance regardless if you purchase direct from the carrier or through a broker.
So my advise to you is to find a GOOD indpendent broker who can show you a variety of plans for you part of the country.. ask him/her to explain the various advantages and disadvantages of the plans to you.
When we help our clients we look at three things:
1) Network of doctors and hospitals - this is the number one thing you need to look at when purchasing health insurance. Make sure your doctors and the hospitals you want are part of the network. In addition, I am a fan of making sure my clients get access to nationwide networks - the reason for this is that god forbid you come down with an ailment - you may want to go to a facility that specializes in the treatment of that ailment - and that facility may be located in another state.
2) You have to look at the summary of benefits and the plans limitations and exclusions. This way you have a good understanding of what is covered and what is not. Ask your broker to explain this to you, and ask lots of questions during this process. Also, keep in mind - do you want maternity benefits on your plan? Not all individual health plans cover maternity.
3) Lastly - you need to look at the price - dont sacrifice covered benefits for a lower price, you are better off raising the deductible in order to lower the premium - sacrificing covered benefits can only bite you in the future.
Good luck and I hope this helps