Graduation from college is a vibrant and exciting time, full of adventure and yes, fearfulness. So many new choices and changes can be stimulating and thrilling but leaving some pieces of the past can be very scary. One of the things you leave behind when graduating is health insurance. Those great plans that the university offered or extended coverage from Mom and Dad's policy helped you put off the insurance crisis for 4 years. But now you are in the "real world" and you have to find insurance. There are no Cliff Notes or Dummies books that are going to solve this problem for you. But there are people, like the professors who guided you through years of academia, who can navigate the world of health insurance and find the right health guide insurance for you.

With 7% to 8.2% of recent college graduates unemployed one year after graduation it may be time to consult a health insurance specialist. If you are still unemployed or under employed six months after graduation you may not be able to count on the possibility of an employer sponsored health plan soon. But that doesn't mean you are out of luck. There is a big world of insurance out there and most of it doesn't depend on employer offered health insurance.
health care plan that will cover major illnesses is the best route to take. Your medical history and current health will be a major consideration and your health insurance specialist will guide you to the carrier that has the right plan for you. After all, the health insurance specialist's career and success depend on building a satisfied customer base, not a one time sales commission. Health insurance specialists have made a career out of guidance and finding just the right coverage for you. They have researched, studied, and written about the world of health insurance and are not simply sales people. The difference is commitment, dedication, and passion to a seamless experience in obtaining health insurance.

When you had trouble in Calculus you didn't go to your Accounting professor for help. When you locked yourself out of your dorm room you didn't go to Campus Health Services for help getting back in. Going to the right person for the right help is one thing a college graduate knows best, so use this knowledge to go to the right person for health insurance help. Don't go to your best friend, or the newspapers, or the yellow pages. Do your research and find the best health insurance specialist you can and let them help you navigate Health Insurance 101. With the right information, direction, and guidance you will pass with flying colors and make the passage into the insured adulthood in a way that will make Mom and Dad proud!

Arthur "Butch" Zemar is a health insurance specialist and author. He is committed to preserving the health and wealth protection interests of his client and sincerely believes that quality, affordable health insurance should top your list of necessities - right after food, shelter and clothing. With his passion of working with professionals and entrepreneurs, he has established a reputation as a health insurance "specialist" with a deep understanding of the industry, the options and the most intelligent and cost-effective ways to obtain and maintain comprehensive health care.

After years of studying, reading, and working with several mentors in the field, Butch Zemar is now making presentations on the options and services of the health care industry. He is committed to clearing the "fog" on subjects such as: deductibles, out-of-pocket expenses, Health Savings Accounts, and co-insurance rates.

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