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Understanding Student Health Insurance

  By posted Jul 27th 2012
Healthy Living

 

Understanding Student Health Insurance

As a student you might wonder why you need health insurance. An underwhelming topic for many youngsters out there, health insurance is extremely important for managing unforeseen medical expenses. Medical bills for serious or not-so-serious illnesses or injuries can be easily tackled if you have student health insurance. Even though college students are at a lower risk for serious ailments, one has to keep in mind the fact that a single emergency room visit might result in a future of financial distress. So, today let us understand student health insurance in detail – its importance, its need and a few immediate steps you should take. 

A sound student health insurance plan keeps you sailing at the time of bad economy and inconsistent health coverage. Even though, college students are not as likely to utilize as many services as older adults, they still need coverage to protect themselves against catastrophe and prevent small-time health issues from magnifying. A student health insurance will make sure that lifelong health conditions, such as diabetes, heart diseases and osteoporosis are well taken care of. If you have a family history of such diseases, then you should get yourself a health coverage soon after 18 years of age.

Mentioned below is a quick list of things that every college student must be aware of:

  • Do you still get health coverage under your parent's health insurance plans if you are a 22 year old full-time student? 
  • What is the duration of your health coverage? Will it lapse the moment you graduate?
  • Are you also covered during your summer and winter breaks?
  • Can you still attain the coverage if you study abroad?
  • Is your coverage linked to specific hospitals, doctors or clinics? 
  • How much are you supposed to pay at the time that your insurance coverage kicks in?


Here are a few immediate steps you must take into consideration when discussing a student health insurance plan:

  • Find a health insurance plan in your area, which fits your budget.
  • Apart from being covered in a joint policy along with your parents, buy an individual policy from a private carrier.
  • If you are working part-time or full-time, find out if you can seek coverage through your employer.
  • If you are covered under your parent’s policy, try and continue with that coverage. 
  • Best would be to find out if your college or university offers you a student health coverage plan. 


*Image courtesy: © Thinkstock photos/ Getty Images

 

 

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