Do You Need A College Health Insurance Plan?

When you are finally done with your high school education, there is no doubt that you’ll be enrolling into college or higher education. Many times when a child reaches the age of 20, they are no longer covered by their parents’ insurance. This can lead to a troubling situation if they are not working and just going to college full time. However, many colleges offer health insurance plans. Whether one of these insurance plans are right for you or not takes some comparisons and deliberation.

College health insurance benefits vary from campus to campus. Although many people think that they are free, this is not the case. While there is usually no charge for an office visit and routine checkups, the student will have to pay for lab work and other specialist type of visits. Benefits will usually pay completely for only types of covered services at the campus health center. In the event that you have to see an outside doctor then the student’s coverage can drop up to 70% and run the risk of being required to pay a high deductible.

If you have a pre-existing condition, then you may have challenges with getting treatment at the school health center. Having a pre-existing illness or disability does not mean that you will be disqualified from obtaining a college health insurance plan, but you may not be able to get treatment for that pre-existing illness. This can lead to a number of problems if a new problem arises and is a product of a pre-existing illness.

All plans are different, so be sure you find out everything you can about your college’s plan. Be sure to check if you or your child will be covered during breaks when students are not taking classes like fall, summer and winter breaks. This is important because you don’t want to have an accident and find out that the insurance becomes inactive when they are not in school. Many colleges have coverage during summer break, but some do not. 

Make sure you understand the plan. Can the member use any provider they want or is it an HMO? This is just as important because you want to know where you can go in the event of an emergency, and there is nothing worse than finding out after the fact that you will be stuck with paying the full amount for a medical bill.

There really is no definitive answer as to whether you should or shouldn’t commit to getting college health insurance. Be sure that you understand your plan fully so that no problems can arise in the event of an emergency. While it is not free insurance, it surely will save you money in the event of an accident or illness.

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