Any students looking for affordable health insurance have come to the right place. We offer very competitive prices and a wide range of coverage options. We'll help you save hundreds on your annual health insurance policy. Contact us today!

General Health Insurance Info

There are many different types of Health Insurance available in the United States. The most common is the Employer – Sponsored health insurance. This insurance is provided to employees as a part of their benefits and the employee pays only a portion of the premiums while the employer pays the rest. The employee then pays all deductibles and co-pays.

Another type of coverage is individually purchased coverage. This coverage is purchased by people who aren’t already covered under any other insurance policies. Individually purchased insurance frequently costs less in premiums than the employer – sponsored coverage and vary by age. However the deductibles and co-pays for individually purchased coverage are typically higher.

Small employer group coverage is another type of health insurance coverage. Fewer small employers are able to offer health insurance to their employees than the larger employers can. Small businesses also have fewer choices in financing their benefit plans and many cannot afford to offer health insurance as a benefit.

Medicare is federal government – funded health insurance for the elderly and patients who are disabled or with end stage renal disease. United States citizens or permanent residents of the US who pay Medicare taxes for at least 10 years and are over the age of 65 are eligible for Medicare. In addition individuals who are disabled and receiving Social Security or Railroad Retirement Board Disability payments and have been for at least 2 years are also eligible.

Medicaid is another government – funded health insurance that is regularly funded by both state and federal governments together. Medicaid is for those who are poverty stricken and are without health insurance. Unlike Medicare, which is an entitlement available to all who paid into it, Medicaid is only available to those who meet certain income requirements.

Long – Term Care insurance is a policy that covers the disabled or chronically ill over a long period of time. Long – Term Care insurance is generally quite expensive since the risks to the insurance company are higher.