Arizona AZ Health Insurance

Reader’s Question:

My daughter just turned 23 and his coverage under my health insurance was removed. I tried to reach my health insurance agent I found online. What she recommends is a health net plan that will cost me $51 monthly. It has a 25% deductible for every visit made up to $1500 annually. Apparently, my daughter can get a physical exam free of charge. This covers only a few generic medications except birth control or pregnancy. I got her plan by answering NO to all questions in the application form. Is this a good deal? We live In Arizona.

Peter

Glendale, AZ

Hello there, Pete!

Tough question for me, but I’d have to say, everything depends on how much of a gambler you really are. First of all, none of us can predict whether or not your daughter gets sick or gets injured in college. Another thing that you should also consider is that if your daughter does not have a car and will have to look for a new doctor in a new town, at the time when she’s sick, then that might be too bothersome.

For me, what’s more important here is that your daughter is insured so that she can seek medical treatment in cases of emergencies in a place away from home, in the most convenient way possible. You never know what happens especially that you are not actually physically present to attend to your daughter’s needs when she is sick in a far place.

I think what’s the safest choice for you at this point in time is to opt for a college insurance in Arizona, and I should say it is also what I did for my son. There are also health insurance companies out there in Arizona that offer individual health insurance policy for students like your daughter. Among the few I know are individual health policies like Blue Cross, Atena, and Blue Shield, but these are also among which have high deductibles. However, it might not be a very good decision to skimp much on a health insurance policy for your daughter, so you better get one!