Being a student puts you in a unique situation for purchasing health insurance. You may discover options that are very costly and not suited to your needs. That’s why most schools make it possible for you to obtain health insurance through an endorsed student health insurance plan.
In general, enrollment periods are specific to your academic schedule. Enrollment requirements do not depend on age, but on student eligibility status as determined by your school. Coverage is typically continuous during your academic career, 24 hours a day, often anywhere in the world—summer break included.
The cost of a student health insurance plan is typically only about one-third the cost of an employer insurance plan or individual coverage. Most student health insurance plans coordinate care with each campus and its local community providers to ensure access to the best medical care. Spouse and dependent coverage is available at most schools.
Read your policy!
What Student Medical Insurance Is Not
Generally, student medical health insurance is a great deal for students… and only for students (and their dependents). Insurers can offer such low rates because the student population tends to be young and in good health. Once you graduate, you’re on your own. There are some alumni plans at some schools. In seeking employment be sure to ask about group health benefits when you interview for employment, and—if none is forthcoming—leave room in your budget for a Personal Health Insurance Policy.
Who Needs Student Medical Insurance?
Check with your parents’ plan, as recent changes to the laws have included carriers to insure student dependents until age 26. When planning for their children’s education, many parents find that the cost of university-sponsored student health plans proves an attractive alternative to the family health package. Although student plans can be restrictive in terms of which providers fall within their network, quite often the cost savings far outweighs any reduction in provider options.
A Word About Shopping For Healthcare
Health insurance is a very personal coverage. Since it relates to the specific issues and coverage needed by a given family or individual, it has a detailed health application. As you progress through this site, we will offer a number of solutions to your health care needs. When you have decided on one or maybe two offerings to pursue, you will be transported to that company’s website to complete the application. Keep the following in mind:
Privacy: EINSURANCE.com collects no personal data from you so we remain unbiased in the presentation of possible products. Make sure you pick a partner of ours with good credentials.
Registrations: If you register with us, we are able to keep track of your partner selections to assist you if need be in the future.
Detailed information: In most cases you will receive a phone call or an email to confirm or clarify your shopping process. If you receive too many phone calls or emails, please let us know immediately. Sometimes insurance organization get overzealous in their desire to help.