There are myriad policies you can opt for protecting yourself, but for students who haven’t made good money, individual insurance will be so costly. This is the reason why health insurance for college students become so popular. However, this kind of protection will be very limited and you have lesser option to consider. Be wise to decide!
Guides To University Health Plans
Due to the age limitation on parents’ plan (until 26 years old), so the university health insurance for college students will be so beneficial. At least it will be helpful and cheaper. However, here is a little information about the college and independent coverage.
What Works On The Health Insurance for College Students Plans ?
The average premium for the college health plan is about $850. The college plans have features to meet the student budget, but of course with limited facilities. Besides, this coverage usually applies in campus health center. However, you should be aware that this covers low ceilings and there is some issue to consider, including:
- When you move to another college or school
- Move into the workforce
- The coverage is more for injury and illness. Not a wellness.
- The insurance will not cover allergies testing, alcohol, the influence of drugs, and injuries treatments
- the maximum covered services around $50,000 per lifetime.
What Works On The Independent Plans?
Getting a limit coverage? Why don’t try the dual coverage?
Well, some parents will choose another independent plan after they find the health insurance for college students is limited. However, be wise with the money because that means you should pay double. As long as you can afford the two policies, it will be fine. Then, make sure you need both of them because mostly dual coverage is restricted.
The best thing to enjoy when purchasing dual coverage is when you move to another college and you still can continue it after you graduate from your campus. The only problem you should underline is that will this students health center accept this it?
Regarding the plus and minus of those coverage, there is one suggestion you should follow: never go uninsured! You don’t know what would happen with your health during the study. You probably can argue that you don’t need this, but bad things will happen so sudden and unpredictable. This will cost you a lot at the moment you experience it. Hence, getting coverage before it is too late is much better than never.