Affordable Student Health Insurance

What Students Need to Know About Affordable Student Health Insurance

When you are enrolled at a college or university, you might be thinking about term papers, tests and grades but you also need to think about health insurance. If you are a full-time student and 23 years of age or younger, you may have coverage under a parent's health plan. Some colleges and universities also sell health plans to students while others make it a requirement for enrollment. Although most colleges and universities have a student health center, you still need health insurance for hospitalization due to major accidents or illness. The good news is that it is relatively easy to find affordable student health insurance since many students seeking coverage are young and healthy. In fact, the student health plan premium is only about 1/3 of that of an individual plan. That means most students will find affordable student health insurance at $60 – 90 a month.

Advantages of Buying Affordable Student Health Insurance

Even if you qualify under a parent's plan, you may want to purchase your own affordable student health insurance for several reasons. You may find you do not have access to physicians or health facilities near your school since your parent's coverage may be limited geographically under the HMO. Second, student health insurance often provides provision for international coverage if you study abroad. Third, your enrollment in a student plan is not dependent on age but your student status. Fourth, a student plan may provide coverage for a spouse or dependents which would not be allowable under your parent's plan. When shopping for affordable student health insurance, keep in mind all the options which include being covered under a parent's plan, buying your own student health plan, securing a temporary policy or buying through your school that will have their advantages and disadvantages. Shopping for affordable student health insurance means weighing out all the options along with your needs and then finding the best plan suited for your budget. Just like your studies, you'll need to do some homework to find the best affordable student health insurance plan for you but in the end, you'll find the effort will save you headaches, heartaches and dollars later.

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