A Students Guide to Health Insurance

As a young student the last thing on your mind must be health insurance. It’s time we change that. Do you know how many students drop out of college to start working due to some unexpected medical condition which costs them their entire savings? Quite a few. So it’s time you sit up and take notice. With the host of affordable student health insurance plans available this is not a difficult task.

Why do you need health insurance?

Student life is characterized by large tuition fee and other educational costs and so their reluctance to “waste” money on health insurance is understandable. Majority of the college students aren’t even aware of the various college student health insurance plans that are available nowadays. People don’t have accidents only after a certain age. You as a student are as much prone to an accident as anybody else walking on the street. You may feel health insurance is hard on your already tight budget but it’s high time you realise that low cost student health insurance is now not just a random term but very much a reality. So go for it now if you haven’t already.

What are your options?

If you are under the age of 23 then you will probably be covered under your parents’ medical insurance. But if you are 23 and above or for some reason you are not covered under your parents’ health insurance then you should definitely go for one of the college student health insurance plans. Check out your college’s medical insurance facilities and see whether they suit your needs. However plans provided by colleges tend to be a little on the expensive side. Customized health insurance plans developed by certain hospitals have made it possible to get affordable student health insurance. These plans incorporate all the requirements that you might have from your health insurance plan. Go to your nearest medical facility and find out the services offered by them in this regard. These tend to be cheap and the premiums to be paid are minimum. Check online quotes and zero in on one of the perfect college student health insurance plans. 

Benefits of getting a student health insurance

Besides the obvious advantage of a health insurance which is coverage of unexpected medical expenditures, student’s health insurance also provides an added sense of security to students. If you are out of action due to some unforeseen medical emergency then good college student health insurance plans will provide for the best possible care thus ensuring speedy recovery. A speedy recovery means you will miss less of course work and you will not have to worry about the high costs of surgery, treatments etc. Once you are hale and hearty again you don’t have to worry about paying huge bills. All this will be taken care of. The key is to find the plan that suits you best. You have to not only look for the most affordable student health insurance plan but also one that suits your requirements. This involves a little clever searching. Go around, ask your friends and family about the various health insurance plans that they have bought, search through the internet. Devote time and you will surely get the best plan.

Tags:  Health Insurance, usahealthinsurancebluebook, Health Insurance plans,   family health insurance plans, Dental insurance plans

Making the most short term health insurance

Temporary or short term health insurance is essentially a health insurance plan for a term of 30 days to 12 months that covers the financial costs of unexpected medical conditions. More and more people nowadays are opting for this type of affordable short term health insurance since it is easy to avail this type of health insurance due to the easy procedures and low costs.

If you are looking for medical insurance then there is custom made and affordable temporary health insurance somewhere out there for you. Browsing through the various online quotes available easily on the internet will lead you to the option that suits you best, both in terms of your budget and medical requirements. Those individual who are very confident about their health conditions should also consider getting one of these affordable short term health insurance plans since you can never be too safe can you?

When should you go for one of the affordable temporary health insurance plans?

You should think about opting for such a plan if you are between jobs. You might’ve just changed from one job to another so obviously your health insurance plan with your previous employer will be terminated and instead of going for a long term alternative you should go for one of the affordable short term health insurance plans since they are easy on the pocket and you will as it is be covered by your new employer in some time. So it makes sense to stick with short term plans rather than tedious long term ones. Even if you are planning to start your own business instead of changing jobs you should stick with short term options initially.

 COBRA or Consolidated Omnibus Budget Reconciliation Act which allows you to keep your previous health insurance plan that you had with your employer for a period of 18 months is a much more expensive option as compared to the variety of affordable temporary health insurance options available to you. Short term plans do not cover routine preventive care such as physical check-ups etc. but cover all other necessary medical expenditures such as surgery, diagnostics etc. If you are a healthy individual then choosing such plans is a much more feasible option. Those who are getting a health insurance for the first time or students who’ve just moved out and are no longer covered under their parents’ medical insurance should initially try these plans.

Eligibility criterion for short term health insurance

Healthy individuals between the age of 15 days and 64 years and 11 months, foreign individuals staying in the US for a period of one year and holding valid visas, green cards or other such instruments and dependents till the age of 20 years who are covered under their parents’ medical insurance are eligible for short term health insurance plans and the many easily available affordable short term health insurance plans can initiate them properly into the world of medical insurance at least for the time being.

Tags:  Health Insurance, usahealthinsurancebluebook, Health Insurance plans,   family health insurance plans, Dental insurance plans