Where can I find health insurance for students?
Many companies offer health insurance for students. However, the easiest way to find a great insurance plan is by looking online where all of the insurance rates for students can be viewed at once. One of the most difficult aspects of getting health insurance as a student is finding a plan that’s affordable but still covers all of your needs – make sure you don’t sacrifice quality for an initially low price.
Enter your zip code to compare online health insurance rates for students! It does not take long, and you will not regret your decision.
If you have never had to purchase your own insurance, then it can be frustrating trying to figure out where to start. Fortunately, there are many affordable health insurance options offered to students – it is only a matter of deciding on which one suits your situation the best.
What are the benefits to having student health insurance?
Student health insurance can help you cover many unexpected expenses, like doctor visits and routine checkups. Additionally, if you are ever in an accident you can save yourself from a lot of debt by having your own insurance policy.
Aside from the above benefits, most colleges and universities actually require students to show proof of coverage before they can register for classes. However, most schools that mandate health insurance also provide a very affordable option through their health department on campus, as well.
Do I need student health insurance if I’m studying from abroad?
Having health insurance is beneficial if you are as student studying in the U.S., especially since the unexpected can often place you in more debt than you can afford as a college student. There are many affordable options for students.
You can also look for short-term insurance plans if you only expect to be in the U.S. for under a year. These policies typically cost more on a monthly basis than long-term plans. Some of them offer very competitive coverage in the event of a catastrophic event, like an accident. Unfortunately, most short-term plans don’t offer much in the way of coverage for doctor visits and medication, which may end up being a deal breaker.
What are the different types of student health insurance?
Most students are covered under their parents insurance until they are between the ages of 22-25 years old as long as their parents are still claiming them as a dependent. This is by far one of the most common options for students. Although, this option obviously does not exist if your parents don’t have health insurance policy.
Another common option for students is purchasing health insurance through their college. You can obtain a relatively low-cost alternative from your school that covers checkups and medications. You are, however, normally restricted to using on-campus health centers instead of your own doctor. Unfortunately, the coverage provided by plans like this is usually limited, and it doesn’t cover large medical bills.
If you plan to hold a job during college, then you can also check to see if you are eligible for an employee plan. Next to obtaining insurance through your college, employee coverage is probably one of the most affordable options that have the ability to cover large medical expenses. You may need to meet certain criteria such as holding your position beyond a set probation period before you are eligible for health insurance benefits. This is not a good option if you need immediate coverage.
WebMD also recommends looking for private insurance if you are in relatively good health and are not in what is considered a high-risk group.
If you are going to graduate in the near future, then you may want to look into a federal program called COBRA – it can cover you after graduation until you find your own private plan. However, the monthly costs associated with COBRA can be relatively high, so make sure you look into all of your other options, as well. COBRA is only a good option for students if you plan to find a job in less than a year after graduating.
If you would like to find out more about online health insurance for students, enter your zip code in the box on this page – it will only take you a few minutes!