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