There are many student athlete health insurance companies that you can review online. Or you can utilize other resources that may already be available to you, like a coach or high school administrator.
To compare online health insurance quotes now, place your zip code into the free box.
Your research should yield a good list of health insurance companies that will provide special attention for your student athlete; you just need to make sure they are able to manage your needs. One good way to check the effectiveness of your prospective insurance company is to check their rating with the Better Business Bureau.
Access the site and review the status of the health insurance company you are considering. Based on the information you find, you should be able to determine how the agency and even individual agents handle their current health insurance customer’s complaints; you can see the history of past customer disputes as well. Additionally, you will have the ability to research their rating chronicles for several years; this will help you judge the consistency of the company in which you are inquiring.
Acquiring reliable student health insurance is a bit more complicated than selecting a standard health agent. Your goal is to locate a group of experts who specialize in student athletes; they should understand what types of unique medical problems student athletes face and be prepared to offer comparable coverage.
What are some common athlete injuries?
One of the major reasons student athletes can be more difficult to insure is related to the medical problems that often accompany sports injuries. The number of reported cases resulting from a sports activity determines the most common. They include:
- Bone related injuries (fractures, breaks, sprains)
- Knee injuries
- Back injuries
- Head injuries
- Elbow injuries
- Ankle injuries
The American Medical Association states that student athletes should exercise more preventative care, like helmets and pads when performing specialized sporting activities. Their recommendations help reduce the number of serious injuries that student athletes are subjected to each year.
Unfortunately, this has very little bearing on how most health insurance providers decide on the level of coverage they will offer. There may be discounts provided if your student athlete uses protective gear, but the amount of the deduction may be minimal in comparison to the premium.
Are some athletes more at risk than others are?
Some sports can take their toll on the body much faster than others can, but that doesn’t necessarily mean that you are more likely to be injured. Some student athletes practice tennis for hours each day without having any medical issues. Others, like gymnasts or runners may find themselves in the doctor’s office more frequently.
Sports that are considered high impact like football may result in sprains and breaks; students who are involved in these types of activities may be placed in a high-risk health insurance group because the chances of injury are higher. Insurance companies that offer health coverage to student athletes receive updated statistics constantly so they are well aware of the types of sports that carry the highest risks.
To find the best type of health insurance coverage for your student athlete, you should make sure that all sports-related injuries are included in the policy you choose. Student athletes often engage in more than one activity and this increases the odds of becoming injured.
What type of health insurance plan is best for me?
To find the best health insurance plan you should remember that student athletes have special requirements and different needs. Most student athletes spend countless hours in the gym training or practicing their skills. This means that although they are in good physical shape, they are more susceptible to injuries due to over exertion.
A good health insurance plan for a student athlete should cover all aspects of preventive care and allow for frequent office visits. Your doctor will want to carefully monitor your diet, training program and any progress you make.
Another option you should think about is adding physical therapy coverage to your policy. Student athletes who become injured may require additional assistance after recovering. Depending upon the extent of the damage done to your body, ensuring that you can seek treatment on this level may speed up the recuperation process.
The cost of health insurance and health care in America continues to rise at an incredible rate. Everyone is facing this reality today. Student athletes are constantly working and moving their bodies and this places them at a greater risk for injury. You should carefully review the major benefits associated with health insurance for athletes to provide you with good options if an injury occurs.
You can compare health insurance rates now; use the free tool to enter your zip code into the box.