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4820 W 77th St #125
Edina, MN 55435

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Featured Insurance Blog

Do Teenagers Need Health Insurance?

Health insurance may seem too expensive for many teens to afford on their own. However, if you live in Edina, MN and are a teenager – or are raising one – you should really consider a policy. Thankfully, we at Central Lakes Insurance Brokers can help you find the right one for your needs.

Teenagers Should Consider Insurance Plans 

While it is true that most teenagers will likely be healthy enough to avoid most types of medical procedures, there comes a time when many may need health coverage. For example, some teens may catch venereal diseases if they are sexually active or suffer from broken bones after a sports game. 

These common health issues can be very frustrating or even dangerous if you don’t get medical help. And thankfully, medical insurance will cover treatment for these issues. And there are many ways that you can get these types of policies. 

Coverage Options 

Most teenagers should qualify to be covered under their parent’s insurance plan. The highest age that you can be covered is typically 26 in most states, which means that you can avoid having to pay for an expensive policy. Pitch in to help your parent pay for theirs, though. 

However, some teens can purchase policies such as student health plans if they go to college or may qualify for Medicaid if they don’t have a lot of money. The types of policies available will vary based on your state but can provide you with a variety of unique benefits and coverage choices. 

Don’t Hesitate to Get Help 

If you live near Edina, MN and want high-quality insurance for a teenager, please contact us at Central Lakes Insurance Brokers right away. We serve this city and the surrounding area and can provide you or your teenager with the policy that works best for your overall needs. 

Health Insurance Basics

When it’s time to choose a health care plan, it’s best to know the basics. Health insurance covers medical expenses. Check with the independent insurance agents in Edina, MN at Central Lakes Insurance Brokers to help you with the details of health insurance.

Types of Health Insurance Coverage

Depending on your financial situation and what services you’ll need throughout the year, there are several different plans that you can choose from.

  • Health Management Organizations (HMO) – an HMO is a managed care insurance policy. Generally, the premiums for HMO’s are lower than traditional plans. This organization has a network of providers located in your area where you will need to elect a primary care physician. A primary care physician will see you for your preventative care as well as give you a referral when you need to visit a specialist.
  • Preferred Provider Organization (PPO) – is another managed care plan that allows you a little more freedom when it comes to choosing your provider. The premiums are usually a bit higher as well as the cost for co-pays and deductibles, but it comes with the benefit of not having to choose a primary care physician and you can go to a specialist without prior authorization.
  • Point of Service (POS) – offers details of both an HMO and a PPO plan. Like an HMO, the POS requires you to have a primary care doctor that is within the network. Like a PPO, the POS allows you to choose out-of-network providers at a higher cost.

Where Can Get Health Insurance

Stop by the Central Lakes Insurance Brokers office in Edina, MN for information regarding health insurance. Our agents will guide you on everything that you’ll need to get started with a policy. We can also help you with auto, home, and life insurance policies.