| When it's time to go off to college there are | | | | clearly aren't able to handle major medical |
| a lot of details to attend to. One of the | | | | problems or emergencies. This means it's very |
| things that tends to get left out during this | | | | likely you'll have to seek medical attention |
| time is that college students need student | | | | outside of your coverage should an issue more |
| health insurance. For many their attention is | | | | serious the flu arise. Again bringing with it |
| on paying tuition, and text books, and | | | | larger health care expenses. |
| finding your way around on campus. Then once | | | | |
| the semester is underway your focus is | | | | Going to the emergency room with no insurance |
| consumed with studying. With all of this | | | | will definitely cost you more than taking out |
| going on it's easy to see why student health | | | | a good medical plan. For young, perfectly |
| insurance is one things that gets left out. | | | | students there are more and better options |
| It's just not a top of mind kind of thing... | | | | available. |
| until you need it. | | | | |
| | | | One option is to understand that while your |
| Under some health insurance plans if you're a | | | | college or university does indeed offer the |
| student and under a certain age your coverage | | | | regular insurance that comes with your |
| may be allowed to continue under your parents | | | | tuition, generally for just a little extra, |
| health insurance policy. If this is the case | | | | most schools also offer a group plan to |
| it is an ideal solution until you reach | | | | students. It will probably work a lot like an |
| whatever that age maximum is. | | | | employee health insurance plan and offer the |
| | | | usual coverage's you would expect. |
| One thing to remember when searching for | | | | |
| student health insurance is colleges offer | | | | You should ask the same questions that you |
| insurance plans to their students as well. In | | | | would ask about any other insurance plan when |
| fact students often simply select or accept | | | | considering this supplemental insurance. |
| the plan offered by the university without | | | | These questions might include: |
| giving it much thought. The University will | | | | |
| also often have a clinic for it's students. | | | | - How much are premiums and deductibles? |
| This leads students to erroneously assume | | | | |
| that they can get all their healthcare needs | | | | - Is there a yearly maximum payout? |
| met at the on campus health center. | | | | |
| | | | - Which doctors can I see? |
| What these students don't realize is that the | | | | |
| school's insurance coverage is often quite | | | | - What is and is not covered? |
| limited. Very few schools have a clinic that | | | | |
| is open around the clock, and if you need | | | | - Another important question to have answered |
| medical care in the middle of the night, | | | | is does the insurance plan cover me when I am |
| you're only option is a trip to an emergency | | | | traveling? |
| room. | | | | |
| | | | Many insurance companies offer discounted |
| Another thing you'll want to keep in mind | | | | student health insurance however your |
| when you simply go with your university's | | | | school's policy will probably be the least |
| health insurance plan is that, except for the | | | | expensive. As long as it gives you full |
| head doctors, the staff at your school's | | | | coverage and you are satisfied with the offer |
| clinic are students just like you. They can | | | | you'll probably find it really is the best |
| give you antibiotics for your cold, but they | | | | deal. |