After I graduated from High School and started college. I was considered an adult. I was 18 and old enough to join the military. Even will all of the new found responsibility and freedom, I didn’t feel like an adult until I was no longer a dependant on my parent’s medical coverage. For some reason, that was when I started to feel all grown up…and completely out of my league.
Here is some important and basic information about medical coverage that can make your transition from dependant to independent a little easier to understand. Allied Health can be comprehensive and easy to understand.
Basically healthcare is divided into basic and extra coverage. Basic coverage includes services like preventive care, diagnostic tests, hospital care, extended care, emergency care, home health care and prescription drugs. Bascially, basic coverage offers everything you would generally need covered for routine medical care. Extra coverage includes dental care, vision care, drug and alcohol abuse treatment, chiropractic care and mental health care. As you can see, extra coverage allows for some of the perks that healthcare offers but are not necessarily necessary.
In most instances you can choose the type of coverage you need. Most people chose a healthcare coverage that has an affordable premium. The broader and more extensive the coverage, the more expensive the premium cost will be. Many people, especially struggling college students will forgo the extra coverage to maintain an affordable premium.
When choosing a medical policy, here are a few things to consider:
-Which policy offers basic medical coverage?
-Does your family history warrant your need for additional coverage due to an inherited disease or condition that is not covered under a basic medical insurance policy?
-If you are expecting to need additional family coverage for in the near future, then you should consider a policy that covers your spouse, maternity care and children.
It is always best to choose a policy that can provide for all of your basic needs. The extra coverage is a bonus but can be sacrificed if necessary. I consider dental coverage to be a necessity though and would never pass on the opportunity to add that to my healthcare policy.