Short term needs meets short-term care!

If you are currently looking for a job you may notice that there aren’t very many companies offering insurance benefits.  If you look even closer, you may notice the some plans offered aren’t covering as much as they used to.   This poses a big problem for graduates or graduates to be.  With all the media coverage on the importance of health insurance.  Many graduates are finding themselves stuck and they do not know what to do.

Living without health insurance does remove a monthly payment, but leaves room for lots of risk.  With medical costs being a leading cause for bankruptcy, it often stressful when considering your options.  Unfortunately, it doesn’t help that a good portion of graduates are joining many other Americans in unemployment.  The ideal situation would be to find a job with health benefits but with the struggling economy, those aren’t easy to get.

A great alternative to more expensive, long term care plans is short-term health insurance.  With short-term health insurance, graduates can get the coverage they want at a price that they can afford.  Here at GradGuard, we understand that it isn’t easy getting started in the long journey of life at a time like now and our main focus is matching you with the “right fit”. 

What do I mean by “right fit”?

Because we have the ability to offer plans from multiple insurance companies, we can find the plan that best fits your needs.  We don’t work for the insurance companies, we work for you!

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Benefits of short term insurance

As countless graduates find themselves on a scavanger hunt for jobs, many times they forget to sign themselves up for health insurance.

The excuses are endless: I don’t have time, insurance is expensive, I’ll worry about it later… the consequences of being without insurance can be much more sever than any graduate would think. This is why many companies have offered short term insurance. Here are a few perks you have to look forward to as a policy holder:

- affordable

- may cancel policy at any time with repayment of unused premiums

- easy application

- insurance issed as soon as next day

With all this there is no reason to remain uninsured. Short term plans are great for gap insurance after graduation while job seraching or even between jobs it’s a great option. Please, find an insurance plan that’s right for you, keep yourself safe – keep yourself covered.

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Tip For The New Graduates

Walking up to the stage, grabbing the diploma, shaking hands with the dean, hearing the cheers, and then turning the tassel to the other side of your cap.

Take a minute to gather all of the emotions that come with graduating college. Life then feels like a whole bunch of highs, done with school, no more late night studying, getting congratulations from friends and family.

The last thing to think of is health insurance. Most graduates don’t know that the day they receive their diploma either their student health insurance or insurance through their parents health plan. EmaxHealth suggests that about 30 percent of people ages 19-29 are uninsured.

A common option for grads is to buy short term health insurance to cover them anywhere from 6 to 12 months while searching for a job. With this job market another option is buying permanent health insurance because in being hired for a new job there is no guarantee that you won’t be on the search again for a new job. Overall just make sure you are covered because you never know when and what accidents might occur.

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Hey Mom! Your Grads Are Moving Back In… and Clueless About Health Insurance.

Grads stressing over student loans to grocery bills are cutting costs every possible way. Graduates are doing their best, but sometimes the pennies just won’t stretch far enough.

A study by ehealthinsurance.com revealed 62% of graduates would rather live at home than go without health insurance. It’s fantastic grads realize the importance of health insurance, but at the same time do they really know what’s so important about it?

The same study showed less than 50% of graduates could give a confidently define a deductible, similarly 41% could sufficiently describe a premium, and only 15% of grads could define co-insurance…

After an employee works full time for a company, the employers group plan most commonly provides health insurance. It has been recently reported that employers plan to hire 22% less graduates for entry level jobs, a scary thought for the unemployed. 

Most commonly a short term plan will be purchased should any medical emergencies arise between graduation and beginning that first job. As it seems, most graduates are unsure about what insurance is. If this is the case, and you know a grad who’s uneducated about health insurance have him or her check out our informational tabs on GradGuard.

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Short Term Health Insurance Options

Over 500,000 people have lost their jobs as of November 2008.  Thinking about that number most have no health insurance.  Some probably have choose to go with COBRA, others might have an extension for employee benefits, but for the most part the majority of people that have lost their jobs are without health insurance.  Health Blog explains how short-term health insurance is beneficial to either a family or an individual.  People have the choice for 6 or 12 months terms depending on what works best for them.  Short-term is not only used when going from job to job, but can help in graduate to job for younger adults and for older adults it can be used as a bridge to medicare.

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Graduate expectations aren’t looking good

Graduates are facing the worst job market in years! How many times do you think recent graduates have heard this one? Probably more times than anyone would want.

ABC news reported that only 19.7 percent of college grads that applied for a job received one.   The problem is getting worse because there are still plenty of graduates from 2008 as well as laid off workers that are still looking for full time work.

Lets face it, jobs are scarce and things haven’t started to turn around yet. So what are graduates doing about insurance during this gap period?

Most students rely on their parents health coverage but once you graduate you are dropped from this plan. You do not want to mess with your future and living uninsured is a ticking bomb.

If anything serious goes wrong odds are you are not going to have the money to cover it. Health expenses add up faster than you think!

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Unemployment insurance bill dies

As the clock struck midnight last night, the unemployment insurance bill died for Texas. What does this mean for you? It means those who are unemployed or in-between jobs aren’t going to see much help in Texas.

It is very dangerous to be living without health insurance.  Whether you live in Texas or not you will not be receiving the benefits of this bill.  Medical bills can pile up faster than any premium would ever cost.  If you haven’t received coverage already, now is the time to do it.

With new insurance plans forming there is a broader spectrum of available plans for insurance.  With some plans it can be very costly to pay your monthly premium but there is a solution to this problem.
Short-term health insurance offers the coverage to keep you safe from those large medical bills while still keeping some money in your pocket. These plans can help get rid of some of your anxiety while in transition to your future.

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