College Student Health InsuranceIt’s a pretty well known fact that most college students don’t have much money. So health insurance may not be at the top of their list of expenses. Many students may just assume that they are still covered by their parents, but this is not always the case.
College Student Health Insurance: Who is Covered?If possible, college students will probably want to remain under their parents’ insurance policies, but if this option is not available, there are special types of health insurance plans for college students. International students and graduate school students can also benefit from a student health plan. These plans are also ideal for married students or those who are transitioning from college to a career.
College Student Health Insurance: What Kind of Coverage is Available?As with any other kind of insurance, there are many options available so that your policy can be customized to fit your specific needs. Not all companies cover things like dental care, sports coverage, and international students or studying abroad. It is important to decide what you need your policy to cover and then be sure that you find a company that can offer the right can of plan to you.
College Student Health Insurance: Restrictions of your CoverageIf you are going to college out of state, it is important to consider your insurance plan in your home state as well as your new college’s state. Choosing an insurance plan that is not accepted by doctor’s in your college’s state is not going to help you one bit. This is an important consideration when you are choosing a student health insurance policy.
College Student Health Insurance: How to Find an Affordable PlanThe most affordable option is probably for the student to remain under his parents’ insurance plan. Some insurance companies require that the child be a full time student, while others cover up to age 22 regardless of the number of credits taken. Unfortunately, some insurance companies don’t consider college students to still be dependent on their parents and do not cover them, so this option is not always possible even though it is probably the most affordable. One way to make your student health insurance plan more affordable is to have a high deductible. This might originally sound like a bad idea since your budget is already tight, but if you choose one of the lower deductible options, your monthly insurance premiums will be incredibly high. It is better to have a high deductible of $1,000 or $2,500 that you pay when you break your leg than to have a deductible of $250 but to spend much more on your monthly insurance. Adjusting the deductible a few times will show you just how much money you can save with this simple step. If you have a full-time employer while you are in school, you may be able to get insurance through that company. A group insurance like this will be more affordable than an individual plan.
College Student Health Insurance: Get a Free QuoteHealth insurance is probably one of the expenses of going to college that you never considered. Tuition, Room and Board, and textbooks are all probably things that you planned for as well as money for food and basic necessities. You probably also planned for a small cushion amount to pay for fun activities. But health insurance is a necessity too. In order to afford good health insurance on the tight budget of a college student, you need to comparison shop. Enter your zip code at the top of the page and we’ll get you started right away with free quotes that will allow you to compare student insurance plans and find a plan that will fit your needs as well as your budget.
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