What Insurance Should Students Get in Utah? Thousands of students flood to Utah for the fall and winter semesters every year. Many of these students are stepping out from the safety of their parents’ financial security and heading out to a new world of financial responsibility. The task can seem daunting and overwhelming at times. You suddenly have bills to pay and you’re not sure if your meager part-time job will cover all of the expenses you expect to have.
Your Medical Insurance Options This post is designed to relieve some of that stress with a few tips to help students decide which insurance plans they should strive for, and which they can opt out of. Although these tips are pointed to help Utah students, they can be applied to nearly every college student looking for help adjusting to this new world. The thing about Utah medical insurance is that there are a ton of options out there, vying for your attention. Many of the standard plans won’t apply to your needs though, especially considering that you currently make significantly less money than the average American (by the tens of thousands). There are a few Utah medical insurance agencies that can help you out though. Simple Insurance is available at Urgent Cares when you don’t make enough money to afford normal insurance. The buy in fee is pretty cheap and they will take good care of you for any minor injuries you may experience—i.e. a broken wrist or busted lip. They are a great cheap option for those that don’t have a lot of money. Your school of choice might have an option available for you as well. BYU in particular offers a health plan that you can buy in for a year at just over $100. They even have their own health center to ensure you get the attention you need. You won’t find insurance like it at any of the major insurance firms.
Cheap Medical Insurance Options Check with your school of choice and see what cheap medical insurance options could work for you. On the medical side, everyone should have some form of medical insurance if they can afford it. Put Utah medical insurance at the top of your needs list and get it quickly when you can. Now take a look at a couple of the other insurance options explained. Renters insurance covers your personal belongings should anything be stolen or destroyed. It’s helpful, but not always needed, although it can be a pretty cheap monthly payment.
Dental insurance does not come with health insurance, a shock to a lot of people. It is really good for covering visits and fillings, but usually stops helping when you get into the more expensive procedures. That said, when you keep your teeth in good working order, it can cost anywhere between $60 and $100 a cleaning without insurance. If you can afford to just save the money and pay it out in cash every six months or year, go for that option instead of locking yourself into a monthly payment.
The Need for Car Insurance If you have weak teeth or are victim to a lot of cavities, insurance might be the cheaper option for you. The last option to consider is car insurance. If you own a vehicle, you are legally required to have bare minimum coverage. These options usually just cover someone else if you get in a wreck. They do not cover your own car. When you look for auto insurance, ask for a quote on bare-minimum coverage and compare quotes. Insurance is a scary world to jump into when you’re also trying to figure out other financial obligations for the first time. Remember that certain insurance options are needed, and others are just “nice to have.” Discern between the two options and choose coverage that you actually need. You’ll save yourself a lot of money when you pick and choose in wisdom.