Health Insurance Plans for College Students

It is every students dream to finish his academic course without any hindrance or obstacles.  This is precisely the reason as to why you as a student must plan for a health insurance.  It is necessary that you sit with your parents and talk about getting enrolled in an appropriate student health insurance plan.  By doing this, you will be able to concentrate on your academic course without any distractions and do not have to worry about the medical expenses.

It is very disturbing to note that around 1.7 million college going students are without a health insurance cover putting them in a high risk.  This report was recently released by the accounting department of the government.  The young college going group are considered the most healthy and they need to spend more time in the classrooms rather than in the medical rooms.

It also puts a great strain on the government spending and expenditure if the students remain uninsured.  The most alarming aspect is that as much as two thirds of the young students remain uninsured because the premiums and medical treatment are very expensive.  Looking at all these, many colleges have come forward with positive measures in providing health cover to students.  Many colleges before enrolling and admitting students for the new academic year have made health insurance for college students mandatory, and the students need to provide a proof of their student health insurance at the time of admission.

As discussed earlier, on the one hand the colleges are asking the students to provide a proof of their health cover; on the other hand many colleges are coming forward with their own health plans for students.  It is heartening to know that a good sixty percent of the colleges are offering student health insurance plans.  These insurance plans are offered by both the private and public colleges which offer four year academic courses.

There is one more good news for all of you.  The requirements for you to become eligible for the college health insurance plans are less rigid than the individual plans.  Once you are admitted as a student for a full time academic course, you become eligible for all the benefits under the student health insurance plan offered by your college.  In certain cases, your health insurance coverage extends even after you have completed your graduation course. Continue Reading »
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College Student Health Insurance Plans

Plenty of times, you along with other parents like you tend to assume that college going students are a healthy lot.  True, in their young age, the college students are quite active and tend to have a better body immunity.  But, as a parent you must always exercise caution and ensure that your child is covered by appropriate health insurance.  You would be surprised to know that the largest growing population in the country is the college and university students in the age group between nineteen and twenty nine years.

The total number of Americans living without health insurance account for a whopping forty seven million.  Out of this a good thirteen million are the ones going to colleges and universities.  Your child is at a great risk if he is not covered by a health insurance.  Always remember, even a single incidence of major illness can leave you bankrupt due to very high medical costs and hospitalization expenses.  If you are covered by the health insurance plan of your employer, your child too automatically gets covered till he reaches the age of nineteen.

Sometimes, the health insurance cover provided by your employer may also cover your child till he reaches the age of twenty four or till he graduates from the college.  The only pre-requisite here is that your child needs to be a full time college going student.  Some states have come up with certain laws wherein your child continues to be covered by a health insurance irrespective of whether he is a full time college going student or not.

Another easy way your child can be covered by a suitable health insurance cover is through the health plan provided by the college.  Definitely, you can save a lot of money since plenty of medical costs would be taken care by the colleges.  The various facilities and benefits of the health insurance cover differ among different colleges and each college has a tie up with a particular insurance company to cater to their specific needs.

One of the main advantages for the college students are if they visit a health center affiliated to the college then they can seek free medical help.  But, the only thing you need to remember is not all medical services are free and you need to make appropriate provisions for your child in case of medical emergency.  Even in the health centers affiliated to the colleges, students would have to pay for medical services like X-rays, physiotherapy, body injuries, infant care, newborn baby care, AIDS and STD testing, checking the cholesterol levels and other important medical tests.

In case your child has a pre-medical condition, it would be very easy to obtain a health insurance cover for your child under the employer sponsored health plan.  The same may not be the case with the college health plan.  The college has every right to refuse medical treatment in case your child is found to have a pre-medical condition.  Some states have a provision wherein your child’s pre-medical condition can be waived off, once it has completed six months attending the college.  Hence, there are a lot of provisions, but you need to go through all the terms and conditions properly in order to ensure that your child gets the best health cover under the college student health insurance plans.

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