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Millions Could Be in Need of Health Insurance This Spring

5/11/2023

2 Comments

 
Picture
Graduates will be searching for options
According to a study by Georgi Todorov – “19 Shocking College Graduation Statistics and Facts [2023]” – nearly 3 million students this year will graduate from an accredited college or university, but only 65% of them will have full-time employment within a few months of graduation. A recent banking crisis and other economic turns have analysts warning of a coming recession, which could make work increasingly hard to find for young adults. This could lead to a considerable insurance coverage gap in the marketplace.
Short-term medical (STM) insurance plans can be an option for clients with graduate children seeking budget-friendly health insurance. 
  • They can be purchased for a minimum of 30 days, up to 3 years, so the plans are flexible for individuals who do not know when they will have access to employer-insurance coverage. 
  • Benefits can include wellness visits, doctor office copays, and coverage for hospital emergencies, surgery, and more. 
  • A range of deductible options is available to keep monthly premiums lower.
  • New graduates are not limited to mom or dad’s provider network. With Pivot Health STM, individuals can access plans without a network or a PPO option.
 
It’s also important to note that some students may not qualify for a special event to enroll in a parent’s employer-group plan or marketplace ACA coverage, and short-term medical plans can fill that gap while students figure out their next steps in adulthood. 
 
Pivot Health plans can help bridge that gap in coverage for young adults making plans but still uncertain about the future. Short-term medical plans can also be a suitable solution for early retirees, people moving to a new ZIP code, getting married, or changing jobs that include a 30 or 60-day waiting period before benefits begin. 
 
Contact your Allied National representative to learn more about the benefits of short-term medical plans for new graduates.
 
What About Graduate Students?
Some colleges and universities don’t offer the same insurance coverage for graduate students but do require graduate students to be covered. STM plans can fulfill that requirement at a price the student can afford. And, if the student plans to play a collegiate sport while earning a higher degree, Pivot Health STM plans include sport injury protections. 

This blog was provided courtesy of Pivot Health by HealthCare.com.
 
13036s0523

Allied National

Founded in 1970, Allied is one of the nation's oldest and most experienced third-party administrators. As the small group benefit experts, Allied works with small business employers to provide unique and affordable group health benefits.

2 Comments
Commercial Roofing link
7/21/2023 02:55:16 am

Great post! The information you provided is spot on and really helped me understand the topic better. Thanks for sharing!

Reply
Drift Boss link
6/19/2024 09:14:15 pm

Thank you for sharing!

Reply

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    Allied National is a 90 Degree Benefits Company, a subsidiary of Blue Cross Blue Shield of Alabama. Founded in 1970, Allied National is one of the nation's oldest and most experienced third-party administrators. We're the small group benefit experts working to provide unique and affordable group health benefits to small business employers.


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  • Home
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    • Self-Service Login
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    • Allied Member Discounts
    • EBA Newsletter
    • Downloadable Forms
  • Members
    • Member Resources for Funding Advantage >
      • Explanation of Benefits for Funding Advantage Members
      • Member FAQs
      • Member-Hybrid >
        • Member-Hybrid-Plan-Info
        • Member-Spanish-Hybrid-Plan-Info
      • Member-Traditional >
        • Member-Traditional-Plan-Info
        • Member-Spanish Traditional-Plan-Info
      • Member-Essentials >
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        • Member-Cost Saver-Info
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        • Member-Spanish Minimum Essential Coverage
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    • Benefit Extras >
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      • Telehealth
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    • Member Download Forms >
      • Appeals
  • Agents
    • Agent Edge
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      • Level Funding Group >
        • Freedom Plan >
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          • Essentials
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        • Minimum Essential Coverage
        • Direct Primary Care
      • Dental Design Group
      • Premium Only Plan Group
      • Individual Plans
    • Self-Service Login
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