Health Student

Why Is Student Health Insurance Cheaper?

August 14th, 2016

First, why would you want student health insurance? For one, because you are probably close to getting booted from your parent’s plan. This usually happens between the ages of 19 and 23 (if you’re lucky to stay on it that long).

Also, you should never consider going without insurance. Illnesses and injuries happen all the time when you least expect it, and medical bills can drain your and your parent’s savings accounts to the point of bankruptcy. I’ve seen it happen. Please don’t risk this!

Finally, student health insurance is typically A LOT cheaper than individual and even many group plans. Why? It’s cheaper for many reasons, starting with the fact that students are usually younger and in better health than many adults. Insurance companies feel there is less risk in insuring students than say, older adults who may have a history of illness and injury.

Insurance companies also know that they will only have to insure students for a few years, and the odds of them getting seriously ill or injured during those few years are better odds than during the period of a lifetime. They are willing to insure you for less because it is such a short amount of time.

Also, student health insurance rates are lower because student centers are available on campus. Insurance companies like the fact that fast health care is available 24/7, and therefore are more willing to reduce rates.

It is really easy to get free quotes for student health insurance. When you call, you can ask questions like:

What will my monthly premium cost? What is my deductible? Is there a way I can further reduce these amounts?

Am I covered as a graduate student or just as an undergraduate?

Can I visit health care centers other than those on my campus?

Will my plan cover the sports or other extracurricular activities I participate in?

Will my plan work if I travel out of state? What about out of the country?

Whether you are looking for a student plan or an individual plan, here are other questions you can ask:

Can I see a specialist without a referral?

Does my plan provide for well-visits to a physician?

To find student health insurance, you can ask for available plans at your student health center or through your student services office. However, it is highly recommended that you shop around. You can often find better student health insurance rates on your own, rather than through your school. Calling to get a free quote from a reputable company is one of the best places to start.

Student Plans – Why Choose Student Health Care?

August 14th, 2016

There are many different types of health care plans available, and if you are currently looking into health care options for you or your child, then trying to find the right plan that matches your needs and your budget can be a somewhat daunting task. Student plans offer a valuable option both to parents who want to save money on their child’s health insurance without sacrificing the level of health care, as well as students who are trying to support themselves financially while still going to school. Here, we’ll go over a few of the reasons you might want to choose a student health care plan either for yourself or for your child.

Student health care plans are designed to keep students healthy throughout their education, and come with a variety of different benefits. Healthy students have been consistently shown to achieve higher grade averages and better test scores, largely because good physical health allows students to attend more classes without absences, and good mental health lowers stress levels and allows students to stay focused. Student plans help keep you or your child in good physical and mental health by providing a number of different health benefits.

Some of the health benefits provided by student plans include doctor’s visits, hospital visits and emergency care, dental and vision options, catastrophic care for severe illnesses and injuries, and much more. These plans are largely customizable and can be matched to your particular needs and budget in order for you or your child to receive the best care for the lowest overall amount of money. Different plans are available through private health insurance companies, public nonprofit organizations, government programs, and even through individual schools. Doing a little research on your particular options can help you find the best deals and the best care options available.

If you are a student putting yourself through college, then you know you need to save money wherever possible. However, sacrificing your personal health can not only be risky, but it can also end up costing you more in the long run. Getting health care should not be an optional thing for you, and student plans can help you lower the cost of a good health care plan. If you are a parent supporting a student, then getting them affordable and reliable health coverage should be one of your top priorities, and student health plans are a great option.

If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance