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SolveYourProblem
Article Series:
Health Insurance
Health
Insurance for College Students
If your child is on you or your spouse's insurance
plan, find out what age your child's coverage is terminated.
Most plans stop covering children once they turn
18, but many do cover your child if they go to college or
up to age 24. Depending on your plan, this extension may be granted automatically
or you may need to apply for it, so make sure you know what
to expect. If your child's coverage can be extended, you then
need to make sure that is a physician near the school that
will accept the plan. This won’t be a problem if your child
is living at home or attending a local college, but it could
be a problem if he's going away to school in another town or
state and living on campus or an apartment. This is especially
important to investigate if you're in an HMO or PPO, which
will want your child to use one of its primary care physicians.
You will need to make sure that there is a doctor available
in the town he or she will be in. If one isn’t available, you'll
need to contact the plan and talk to a representative about
your alternatives. Your plan may have a point-of-service option
that allows your child to visit a doctor who is not on the
plan at a higher cost to you but at least offers some coverage.
If an extension on your plan is not possible or college-aged
children are not covered, check to see if the college
offers a student plan. If it does, be sure to take a close look before
your child signs up, make sure everything they might need is
covered at a reasonable rate. Many of these plans are inexpensive
and look really good at first, but often the coverage is very
limited and the child is left to go with out some very important
care or pay out of pocket. If you need to start from scratch
and end up having to purchase insurance for your child, be
sure to shop around. When getting quotes, remember to state
that the plan is for a student, there may be special rates.
With the major cost of schooling alone, adding health care
just ups the cost. If your child holds a job, they might be
eligible for health benefits through there, which can decrease
the cost of private insurance if they aren’t covered on your
plan. It is better to have a plan then be caught paying out
for an emergency.
Health insurance for college students is not an extravagance,
young and healthy as they may be. Active students have a high
rate of injury, and viruses can sweep quickly through college
dorms. Happily, the cost of student health insurance is very
reasonable. A college student away from home without health
insurance can easily spend more money on health care for an
influenza outbreak or other illness and a broken leg than the
cost of a student health insurance policy itself. A permanent,
renewable individual medical insurance plan that is designed
specifically for college students under the age of 30 can be
easily obtained from most good insurance companies. You can
also keep renewing the plan when you are no longer in college
and keep it up to the age of 65 in some cases. These plans
are great and not overly expensive and a way to have coverage
that extends out of school and isn’t employer controlled.
The Student
Select plan is a simple, affordable and easy plan
to obtain by parents and older students alike. You choose the
plan that best meets your child’s needs and budget and are
covered from receipt of first payment. Your child also has
the freedom to choose his or her own doctor or hospital and
not have to follow a bunch of strict guidelines as with some
companies. If he or she decides to transfer schools, their
Student Health Insurance coverage moves with them, so you don’t
have to worry about them losing coverage. This coverage will
make sure your child gets everything they need while attending
college in the United States or Canada. Not just during the
school term either, but all year round. If for some reason
your child has to leave school, Student Select stays with them
for the remainder of the policy year and then it's guaranteed
renewable. Where most college plans only cover a child until
he or she graduates or very shortly after, Student Select can
be renewed as long as it's needed. Click here to to view health insurance quotes, compare plans side-by-side and apply for the most affordable health insurance within your budget. I did this myself (June 17, 2011) to change my health insurance policy. Saved me $84 per month (or $1,008 per year). It's my SolveYourProblem recommendation.
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by SolveYourProblem.com
: 2006
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