Health Insurance Coverage for Students - Health Insurance for Students
College usually entails moving away from home, and it is essential that you have the requisite coverage to put your mind at ease as you further your education.The Government Accounting Office (GAO) has shown that a staggering 1.7 million American students have no health insurance. While they are likely to be the most physically healthy demographic, they are also the most likely victims of an accident. The same report showed that in 2007, somewhere in the region of $130 million-$265 million was spent by uninsured American students on medical expenses that were not injury-related. Also, roughly 67 percent of uninsured young Americans don’t get medical attention because they cannot afford the expense.
Naturally, these figures are of grave concerns to American colleges, who are now starting to take strides against this kind of problem. Some colleges will not permit a student to attend unless they can prove that they have medical insurance. So, if you are thinking of applying to a college, then you have to know if they have this requirement. After this is discovered, it is time to find a suitable health insurance package.
College Health Insurance Plans
Aside from the colleges that ask for its students to have health insurance before they can join, there are others that provide student health plans as a means of protecting their students. The GAO report showed that some 60 percent of colleges offer health plans for their students, with over 80 percent of public colleges with four year courses, and over 70 percent of private colleges with four year courses offering health plans.Student health plans are usually less restrictive in nature than individual plans. If you take the college’s health plan offer, you will be covered when you are enrolled as a full-time student. There are also plans that offer coverage even beyond the time when you graduate.
These policies vary wildly however, regarding what coverage you receive and the price you have to pay. Many of these policies have gaps in their coverage. It is up to you to find out what you are and are not insured for. Many of these policies will not cover you when you go home, as they only pay for treatments and medicines received either in the college hospital, or in facilities nearby. If you are travelling abroad during your college years, these policies will not cover you overseas, so ensure that you buy separate coverage in this instance.
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Health Insurance Providers
