For many college students the last thing on their mind is health insurance as is shown in some recently published statistics which show that nearly 1 in 3 college students do not have any form of health insurance coverage. Getting a college education is a costly business and simply finding the money you need and sorting out your college loans is hard enough, but you ought to also consider including some form of cheap health insurance along with everything else which you will need to have.
Of course you should start by looking at your parents’ health insurance plan if this applies as it is possible that this will cover you while you are at college. However, you do have to read through the small print carefully because some plans will provide cover for while you are attending college while other plans will not. Two things to look for especially are conditions concerning age and location.
Many plans will cover children up to the age of 18 or 21 while you are at home and a few plans will also extend this age limit as long as you remain in full-time education. However, many plans are limited to providing cover within a specified geographic area and so, although you might meet the plan’s age requirements, you might discover that you will not be covered when you are away from home.
Should you parent’s plan will not provide you with the health cover you need then you will have to arrange your own student health insurance and will have to find some appropriate providers. Luckily, this is not difficult and there are several insurance companies which provide plans that are specially designed for university students. So, where should you begin your search?
To start you should look at your own college as universities will often make arrangements for their own students to get cover at a discounted rate. This does not necessarily mean that this is the best plan to meet your particular circumstances and you should look at the details to see it meets your needs. Even so your own college is a very good place to begin your search and will normally offer you the best deal. Another thing to think about when looking at your own university is just what type of medical facilities are provided on campus. The majority of the larger colleges will provide excellent medical facilities which are open 24 hours a day, while the majority of the smaller universities have far more limited facilities.
Away from the college itself you can look to the insurance companies and a number of publicly funded organizations for cover. In addition, do not forget that there are a variety of different forms of plan which are aimed at different groups of students. Short-term health insurance for instance might suit a lot of graduate students and can usually be extended after graduation to cover the period until you obtain employment and become covered by an employer’s health plam. There are also supplemental plans that will provide cover for you for things such as pre-existing conditions which are generally excluded from standard student cover.
Health insurance nowadays is a complex area and you will have to shop around in order to to get a student health insurance plan which both meets your requirements and also your budget. This is nevertheless one thing which you should certainly not overlook because attending university is an expensive enough undertaking in the first place and you do not want to risk your money or your future simply because you are unable to cover the cost of injury or illness.