Student Health Insurance - An Important Piece of the College Puzzle

Student health insurance is one thing that many college students forget to arrange when getting ready to go off to college. They spend more time arranging text books, paying tuition and settling down on campus. And, once the semester starts, all attention is on studying. It is easy to see why health insurance is the last thing on a student's mind.

Usually students think that they will continue to receive coverage under their parents' health insurance policy which is true as long as the student is under a certain age. This, of course, is the ideal solution but may not hold true for many.

Colleges do offer insurance plans for their students and usually students just take one of the offered plans without giving it too much thought. With a clinic present on campus, most students erroneously presume that with the college offered plan and the clinic, all their health care needs will be taken care of.

Unfortunately most college offered health insurance plans give limited coverage. Very few campuses have clinics that are open twenty four hours a day and if a medical emergency arises in the middle part of the night, the student will have no other option but to visit the nearest emergency room where a student health insurance will be required for treatment, if you do not want to end up paying from your pocket.

What many students do not realize is that colleges and universities may also offer regular insurance policies and a student just has to pay a little bit extra. In addition, there may be group plans available for students which would work like an employee health insurance plan and offer coverage that a student might expect.

But there are many insurance companies that are keen to offer students discounted health insurance but these will still be more expensive than the school's policy. Make sure that any student health insurance plan you take should necessarily offer you full coverage. Ask questions about premiums and deductibles; which doctors you can see; what is covered and what is not; and what is the maximum payout.  Only if you are satisfied with all that the policy has to offer can you say you have a good deal.

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Roderick Powers reviews and writes many business and health related articles.

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