Student Health Insurance
* NEW QUOTES ONLY PLEASE
We do not have information about existing policies.
As a student, you may be caught between being covered as a dependant on your parents’ health insurance and having a job that offers you health benefits. Your needs for healthcare and saving money are a priority since a student’s finances are often limited. If you are uninsured and suffer an injury or illness, the costs can be quite excessive. Student health insurance doesn’t have to break your budget though – there are a number of affordable options that will offer you comprehensive health coverage.
College students often feel that they have youth on their side, and that health insurance isn’t a necessity. Even the young and healthy face the risk of an injury or illness, such as a virus. It’s better to have the security of knowing that a student health insurance policy will provide financial help for certain health care costs. Doctors’ visits, hospital stays, and medical procedures can be extremely costly if you are uninsured.
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Student Health Insurance Coverage Options
Coverage options will vary depending on the insurance company, but you should review coverage options for:
- Doctors’ fees associated with office visits
- Hospital room and board
- Expenses for surgical procedures
- Costs associated with treatment for illness or injury
Familiarize yourself with the types of plans available – including physician networks where you need to visit a doctor that has agreed to pre-negotiated rates, or non-network plans where you can choose any physician, but pay a higher rate. The options should be thoroughly researched, as what is best for one college student may not suit another. If you anticipate traveling back and forth between your home town and where you attend college, a non-network (indemnity plan) may work best because you have coverage for any physician. Let your personal situation guide you to the most cost-effective and comprehensive student health insurance plan available.
Benefits to Student Health Insurance
Since students travel between school and home, the need for flexible student health insurance is a must. With a student health insurance plan that travels with you, you can be assured that you will have coverage while at college or when visiting your parents. Student health plans also provide coverage throughout the year, so the coverage doesn’t end just because the school year is over.
Research your options carefully to select the student health insurance plan that is the best fit for your health needs and budget. Affordable health insurance options are available.
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