SDS10 - Coverage Between Graduation and Employment Parents...

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Coverage Between Graduation and Employment Parent’s Health Plan School’s Health Plan Short-term Medical Insurance
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Short Term Health Insurance Provides coverage for a limited period of time –usually 6 to 12 months Purchased by recent college graduates, people between jobs or waiting for other insurance coverage. Typically these policies do not cover pre- existing medical conditions
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Health Insurance Plans HMO PPO
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Health Maintenance Organizations (HMOs) Advantages No deductibles Low premiums Low out-of-pocket costs Comprehensive benefits Minimal paperwork HMOs focus on wellness and preventive care (office visits, immunizations, physicals, etc.)
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Health Maintenance Organizations (HMO) Disadvantages You must choose a Primary Care Physician You are restricted in the amount of physicians from which you may select You must receive a referral from your Primary Care Physician in order to have a visit to a specialist covered by the HMO
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SDS10 - Coverage Between Graduation and Employment Parents...

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