NC Health Plans offers temporary student health insurance for qualified individuals over the age of 19 or students who are not yet 19 can be on a short term policy with a parent or guardian.  These plans can begin as soon as the very next day so your student will not have to miss even one day of class time!

College students tend to be one of the largest demographics of uninsured Americans and universities and colleges all over the country are mandating coverage in order to change that statistic. Over the last few years, more and more colleges and universities have joined the insurance bandwagon as they realize the benefits of knowing their students are covered in case of accident or illness.  Most colleges and universities now require a proof of insurance before students can begin taking classes, which can present an interesting problem.

College classes typically begin in late August or early September, but Open Enrollment for health insurance does not begin until November, with plans taking effect in January.  Unless you have a qualifying life event, you will not be able to enroll in an ACA-approved qualified health plan outside of Open Enrollment and that can leave parents and new students who are uninsured in a bind.

The good news is that many colleges and universities offer health insurance on a semester basis.  The bad news is that many university policies end during the months when school is not in session, which can leave a big gap in coverage.  Even further, many health plans offered by schools are quite expensive or don’t offer the depth or quality of coverage many students need.  So what is the answer?

A good option is short term health insurance. (more…)

Summer is here and 2016 is almost half over, but if you still lack health insurance, a short term plan could be the solution.  Temporary health plans are a viable option for people who are experiencing gaps in coverage due to a job change, a move or other life circumstances.  They are also great for individuals who may be exempt from the individual mandate (tax penalty) to buy health insurance or those who may just choose to buy health insurance outside of Open Enrollment.

There are many benefits to a short term health plan.  For instance, most temporary insurance plans are less expensive than regular health insurance plans.  In fact, they are a low-cost solution that could protect your financial security should you be faced with an unexpected illness or injury.  You can also be approved for short term plans as soon as the very next day and coverage can be in place anywhere from 1 month to 11 months, whatever your circumstances require.  Temporary health insurance is a great way to fill gaps during times of transition or change. (more…)

Our agency provides healthcare coverage through Blue Cross Blue Shield of North Carolina (BCBSNC).  But, if you are looking for a short term solution for your health insurance needs, are between jobs, out of work or a recent college graduate, you may want to consider Temporary Health Insurance to protect you and your family.  If you qualify for coverage, short term coverage can cover you up to $2,000,000.00.  You can select your deductible and co-insurance, but keep in mind it does not cover pre-existing conditions and everything is subject to the deductible.

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