Joe is getting used to managing life on his own. He works full time, pays his own bills and keeps a close eye on his budget. Now, at 26, he has another responsibility to figure out: his healthcare.

Joe is a hypothetical example of a young adult whose coverage under his parents’ health insurance has ended and who is arranging coverage of his own.

Securing health insurance is a priority, but everyday healthcare needs can come up during that process. What if he gets sick? How much will his next prescription cost? Where could he turn for support when life feels overwhelming?

His mom suggests looking into Elevate Direct from First Commerce Credit Union. Depending on the package selected, its wellness benefits include access to virtual care, urgent care, counseling, prescription savings and other resources that could help with some of those needs during the transition.

Elevate Direct is not health insurance and does not replace it. For someone in Joe’s situation, its role is to make selected healthcare services and savings more accessible while he continues working to secure comprehensive coverage.

Getting help with everyday health concerns

If Joe wakes up feeling sick, figuring out where to seek care becomes one more thing on his to-do list. With an Elevate Direct package that includes virtual urgent care, he could connect with a board-certified physician from home for common concerns such as allergies or a sinus infection.

Virtual primary care is also available in select packages, providing another way to address ongoing health needs as Joe takes more responsibility for his well-being.

Exploring prescription savings

Managing healthcare also means understanding what everyday expenses might cost. Elevate Direct’s prescription savings benefit includes a price comparison tool that could help Joe explore prices at participating pharmacies before filling a prescription.

Savings vary by medication and pharmacy. Comparing available prices gives Joe information he can use to make a decision that fits his budget, both during his insurance transition and after his new coverage begins.

Making room for mental wellness

Taking on new responsibilities can bring stress, even when other parts of life are going well. Joe may want someone to talk with about work pressures, relationship concerns or the changes he is navigating.

Select Elevate Direct packages include virtual counseling with licensed professionals. That gives someone like Joe another way to seek support while building routines for managing his own health.

For anyone preparing to leave a parent’s health plan, planning ahead matters. Confirm when existing coverage ends and explore new insurance options early to help avoid a gap. If a gap does occur, obtaining comprehensive health insurance should remain a priority.

Taking responsibility for your healthcare involves plenty of new decisions. Elevate Direct offers practical resources that can help during that transition and may continue to be useful once your new insurance is in place.