Get health insurance tips for students

Sunday, December 6, 2009

In this article, we will discuss "get health insurance tips for students" . Education is very important to us.Sure, Everybody want to reaches and get education till highest level. Nevertheless sometimes, that education is desisted because finance factor, especially to the much expense that must spent if the student fallen sick and required high expense when cure to hospital. Also can be more seriously, if the parents fired from their jobs because recession

"As a society, we don't do a good job educating people, especially college students, about health insurance," said Sam Gibbs, senior vice president at eHealthInsurance, which operates a Web site (www.ehealthinsurance.com) where you can compare insurance policies.

Here are some tips for students who may need health insurance:

-University-sponsored plans. Interestingly, many schools do not mandate that students carry health insurance, although all schools highly recommend it. Toward that end, some schools offer health care coverage during the school year, typically including the price of a policy in the tuition. Many plans cost less than $300 a year, and provide coverage for routine costs.

However, Lookout Mountain noted, only 15 percent of university-sponsored plans generally comply with coverage standards set by the American College Health Association. Among the drawbacks: low caps on what's covered before you're on the hook, little or no protection against catastrophic situations, and no coverage after the school year ends, meaning there could be gaps in insurance protection..

-The family's policy. Many companies roll children off plans once they reach 18 unless they are college students, and even then, class enrollment must be verified. Review the coverage for emergencies and routine illness. If your student attends college out of state, for example, know whether your plan charges more for services that could be considered "out of network," said Gibbs.

-Individual policies. Often overlooked, but these insurance policies can take care of your student for $50 a month in premiums. For that, you get major medical coverage, including a drug plan. Again, scrutinize the details. Look at deductibles, out-of-pocket costs, and what conditions the plan may not cover.

-Part-timer plans. Some large employers provide insurance for part-time employees - coverage worth considering if your student is holding down a job while hitting the books. Another option: temporary insurance plans that provide coverage for up to a year, which may be what a December college graduate needs while hunting for a job.

Tags : health insurance,get health insurance tips for students,insurance tips,health insurance tips