Moon-Baker Agency

130 E Main St
Ada, OK 74820

Get Directions
Moon-Baker Agency Blog

Student Health Insurance Options: Discover The Possibilities

As a student, you have to be conscientious about student health insurance. It is required under the Affordable Care Act, though you have options so that you don’t have to spend a significant amount of money on a policy.

One of the first things you need to know is that there are multiple places for you to get student health insurance. It may be offered by your school, you may be able to stay under the plan of your family, and you may also the able to get it on your own through an insurance company in Oklahoma.

If you decide you are going to get it from your school, look at how much they are going to charge you for it, and it may even be encompassed within your tuition already. If you do get it from your school, be sure that it provides you with coverage for the entire calendar year, not just the semesters.

Additionally, when you look at health insurance, there may be some exclusions within your policy. This can include such things as:

  • Hospital room charges
  • Home health care
  • Alternative treatments
  • Claims made within first 30 days of coverage

You will also want to look at deductibles and co-pays as this is going to impact how much you spend out-of-pocket.

As a student, you may be in good health, but you want to make sure that you stay in good health. Be sure that you are exercising preventative health measures, eat well, and get plenty of rest. The college years can be difficult and you don’t want to lose some of your insurance options because of drinking, sexually-transmitted diseases, or anything else.

At Moon – Baker Insurance Agency Inc. we have knowledgeable independent insurance agents to help you discover the health insurance options that you have as a student in Oklahoma. Call today and learn more about how we can assist.

Get Married And Look At Your Auto Insurance

When you get married in Ada, Oklahoma, there are a few things you want to look at. Your auto insurance is going to change now that you have tied the knot. You may be able to save more money than you have been able to do so in the past.

Insurance companies ask a lot of information about you when they provide you with a quote. This information includes:

  • Driving history
  • Safety features of your car
  • Your ZIP code
  • The number of miles you drive
  • Where the car will be stored
  • Marriage status

The marriage status is an important question. It determines whether you will be considered high or low risk. Statistically, you are lower risk as a married driver than you were when you were single.

This means, once you call the insurance company to update your status from single to married, your policy could go down. You will still want to do some comparisons, however. Not all insurance companies weigh the factors the same and therefore one company may offer you a better deal than another one.

Combining policies may save you some money, too. This is because there are often discounts provided by insurance companies in Oklahoma for multi-cars. The only time this isn’t going to be a savings for you is if one of you doesn’t have a very clean record. At that time, it may be better to keep the policies separate until a record cleans itself up.

At Moon – Baker Insurance Agency Inc. we are dedicated to helping you find affordable insurance. Once you get married, your insurance policy can change dramatically. Call us today and let us help with obtaining quotes. We can make comparisons to ensure your auto insurance is changing for the better.