College Health Insurance

The Reader’s Question

How important is a college health insurance plan?

Lynn Perry

Thank you for this question.

When you are finished with your high school education, of course the next step will be enrolling into a college course. Normally, whenever a child reaches 20 years old, they are no longer included in the coverage of the insurance of their parents. This situation is difficult to deal with if the kids are not work and just simply going to college. The good news here is that many colleges offer health insurance plans. You just need to deliberate whether any of these insurance plans are right for you or not as a college student.

The benefits of the college health insurance depend on the campus. The notion of many people is that their insurance coverage is free, but the notion turns out to be false. In a college health insurance plan, the student needs to pay for the laboratory work and other specialized type of visits. The benefits normally pay the whole amount for the covered services at the campus health center. In case that you have to see a specialist outside the center, then the coverage of the student may drop to 70% and there is the risk of requirement of paying a high deductible.

All health insurance plans are different, so better research about everything about your college’s plan. Check also if you are covered during the summer break while there is no classes. Many colleges have coverage during the break, but unfortunately some do not.

It is important for you to understand the plan well and determine whether it is an HMO, among many other possible questions. It is important for you to know the utmost details so that in case of an emergency, you know where you can go.

A college student health insurance is vital to acquire throughout the time a student is in college so as to prepare for typical health concerns and any unforeseen illnesses. Luckily, many parents have insurance coverage for their children until they finished college. There is really no definite answer whether one should commit or not in getting a college health insurance. Make sure that the insurance plan is understood fully so that no problems will arise in case an emergency arises. As it is not a free insurance, it will save you money in the event of an illness or emergency.

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