Graduates Needing Health Insurance Have Cost-Effecti...( Independence Blue Cross Individual HM...),Health

Independence Blue Cross Individual HMO plans offer lower premiums, greater peace of mind

PHILADELPHIA, June 30 /PRNewswire/ -- College graduates across the region are finding themselves in a serious predicament: less than 20 percent of those 2009 grads who applied for jobs have received employment offers, according to the National Association of Colleges and Employers. And, no job can mean no health insurance.

As a result, many recent grads are facing the "I am uninsured" reality. And, that's not necessary, says Scott Post, vice president of marketing administration at Independence Blue Cross (IBC). Adults and parents of young adults can have the peace of mind that health coverage brings. Independence Blue Cross offers a solution: individual Keystone Health Plan East options in six medically underwritten HMO plans. Three of these plans have high-deductibles, which help keep monthly premiums low -- as low as $76, or about the daily cost of a latte at the corner coffee shop.

"In Pennsylvania, 1.2 million or close to 10 percent of our population is uninsured, according to the U.S. Census Bureau. We are pleased to offer affordable health plans to help people find the security that goes with being insured -- for those individuals who might otherwise worry every day about what will happen if they need health care," said Post. "We expect these new insurance plans, now available with low-cost preventive care services, will empower people to take better care of themselves, and offer the education and tools they need to be wise and informed health care consumers."

IBC's individual HMO plans are designed to keep monthly premiums affordable and offer preventive health visits with reasonable copays that are not subject to the deductible, which is $1,500 to $5,000. The deductible is applied to services like hospitalization and surgery. Once the member has paid the amount of the deductible, then th
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