Specialty Health Insurance

Though the focus of our site is traditional Albany health insurance, most of our insurers offer various alternatives and supplements to basic coverage. We'll discuss the different kinds of specialty health insurance policies in what follows.

Short-Term Health Insurance

Short-term Albany health insurance is a temporary, affordable policy that offers much flexibility. Short-term health insurance usually lasts from 1-12 months. Once you purchase a policy, your coverage begins immediately-sometimes within 24 hours. You might consider temporary health insurance if:

• You are between jobs
• You recently graduated from college
• You are in a waiting period before your group coverage begins

Student Health Insurance

A special kind of Albany health insurance is also available for students, undergraduate or graduate, who are enrolled in school with at least nine credit hours. Here are some facts about student health insurance:

• Student plans are portable and flexible, allowing you to choose your own providers at school or at home
• Year-round coverage, not just during the school year
• Coverage begins immediately

Dental Insurance

Many companies that offer Albany health insurance also offer dental insurance, but the two usually are sold separately. Dental insurance premiums are normally much cheaper than health insurance premiums, however. A standard dental insurance policy will cover preventive oral healthcare, such as routine cleanings, and other basic and major dental care (e.g., X-rays, fillings, surgeries, etc.). If you have any questions, please visit our Frequently Asked Questions page.

Vision Insurance

Some health plans do not cover optometrist visits, eyeglasses, contact lenses, and other eye care. With some insurers, you might be able to purchase vision insurance as a rider on your health insurance policy. A standard plan would cover eye exams with an optometrist or an ophthalmologist and the cost of a wide variety of eyeglass frames, lenses, and contacts. Some companies offer vision insurance only through group plans.