GETTING TO KNOW THE STUDENT HEALTH INSURANCE

When To Get A Student Health Insurance

When you move to a different state for college, your parent’s health insurance may not provide you coverage at your new location any more. Hence, a good time to purchase a student health insurance is when you are about 17 to 18. These health insurance plans are available for students enrolled fulltime in a college or university, carrying at least 9 credits. The maximum age limit to be eligible for a student health insurance is 29.

General Coverage Of Student Health Insurance

Student health insurance provided by private providers offer better coverage as compared to those provided by their college/university as well as their parent’s insurance plan. Student health insurance is more affordable than general health insurance. Furthermore, you have the option of selecting a higher deductible in order to reduce your premium. Most of these plans offer a pay out of a maximum of a million dollars.

One of the best features about a student health insurance is that the choice of doctors and medical facilities are not stipulated by the insurance provider. The insurer is covered for receiving treatment from any doctor or in any hospital in U.S. The student health insurance plan provides cover for emergency care, surgery and inpatient/outpatient treatments. Even pre-existing medical conditions may be included in the coverage. However, most plans provide cover for such conditions not during the first year, but from the second year onwards. These plans even include coverage during travel within America and Canada.

Benefits Of Student Health Insurance Besides Basic Coverage

The best part about the student health insurance is the fact that you can continue to receive such comprehensive cover at such low cost even after graduation. Yes, you can actually continue to be covered by your student health insurance plan year after year. However, the premium would rise by about 15% after you are 29. Most people will switch to a general plan after that for it may benefit their family and themselves better. Student health insurance plan does not cover spouse or children. Lastly, student health insurance plans are also available for non-citizens. Much information about this is available online. Do your research and find one that best suits you.v