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Student Health Insurance
Every year, a new group of students will travel off to attend college.
Although many students have coverage through their parent’s health
insurance policy, moving far from home can create a distressing coverage
situation. There are a few areas of concern that students and parents
should thoroughly understand when it comes to their healthcare coverage.
Many times student may be left without a good network of healthcare
providers near their school or without local providers at all. Students
may also lose their coverage for many reasons such as student status (i.e.,
are they now full-time students), current state residency, or their age.
In these situations, it may be prudent for parents and students to consider
exploring coverage through an Individual Student Health Insurance plan.
Student Health Insurance Trends
The growth of managed care
plans has made it more difficult to seek treatment in different geographic
locations. Finding doctors, hospitals, and other healthcare providers
that accept your health insurance plan may also be tricky. In addition,
your plan benefits may be reduced if you seek treatment from an “out-of-network” provider.
In today’s healthcare environment, parents and students should consider
the following possibilities:
- Does the Student anticipate any travel? If so, you may want a plan
with flexible or national provider networks to help maximize your benefits
and help ensure that you have a choice of providers.
- Is the network of health insurance providers located near the school
adequate? If not, a simple task like making a doctor’s appointment
for a minor illness could be a challenge.
- Will school activities (e.g., sports) require health insurance to
participate? Getting preventative care or having proper coverage before
a serious injury occurs is an important consideration.
- Will the Student need continued health insurance coverage after they graduate from school?
Many students want to carry their coverage after graduation or for an extended
period of time. In addition, their next employer may be a small company that does not
offer coverage.
- Will the Student’s plan cover other family members too (e.g.,
a spouse or children)? Many of today’s students are also parents
or spouses. Getting a comprehensive plan that fits the needs of all family
members may be an important consideration.
After spending many years in school and investing thousands of dollars
in your education, putting your financial future at risk due to an unforeseen
medical emergency is unwise and unnecessary. Many students are eligible
for an Individual Student Health Insurance plan. We provide side-by-side
plan, benefit, and price comparisons to simplify your choices and ensure
you avoid overpayment. Although everyone needs health coverage, taking
the guesswork out of the process is what we do.
Student Health Insurance
Who should consider a Student Health Insurance plan? Anyone who
does not have Health Insurance or individuals who have coverage but
are not satisfied with their existing health plan. Applicants should
be in relatively good health and must be able to budget a sensible
amount towards the plan’s cost. A wide-range of benefit options and
affordable plan premiums are available from leading companies such
as HumanaOne, Blue Cross Blue Shield, United Healthcare, Aetna, Assurant
and Celtic (certain plans may not be available in all areas).
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