Coming Soon
Subscription Marketplace - Buy and sell subscription products and services
1,048 views
in Articles by
When you are finally done with your high school education, there is no doubt that you'll be enrolling into a college. Many times when a child reaches the age of 20, they are no longer covered by their parents' insurance and this can lead to a troubling situation if they are not working and just strictly going to college. However, many colleges offer health insurance plans. Whether one of these insurance plans are right for you or not takes a lot of deliberation.

College health insurance benefits are going to vary from campus to campus. Although many people think that they are free, this is not true. 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 a problem with getting treatment at the college health center. Having a pre-existing illness or disability does not mean that you will be disqualified for 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 summer break when students are not taking classes. 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 class. Many colleges have coverage during summer break, but some do not.

Make sure you understand the plan. Is it an HMO, or can the member use any provider they want? 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.

Please log in or register to reply to this topic.

Related topics

0 replies 770 views
0 replies 668 views
posted in Articles by PerfumedNecromancer
0 replies 933 views
posted in Articles by MammothMoth
0 replies 667 views
0 replies 608 views
posted in Articles by CharmingChamp
0 replies 683 views
posted in Articles by Butcherry
0 replies 647 views
posted in Articles by Cybora
0 replies 589 views
posted in Articles by Knightmare
0 replies 690 views
0 replies 630 views
posted in Articles by TwinNut
0 replies 592 views
posted in Articles by Hawkward
0 replies 737 views
posted in Articles by Titank
0 replies 625 views
posted in Articles by AfternoonFay
0 replies 725 views
0 replies 608 views
posted in Articles by BouncyOracle
0 replies 606 views
posted in Articles by HarmlessRose
0 replies 577 views
posted in Articles by GraveGrass
0 replies 735 views
posted in Articles by Celestiger
0 replies 708 views
posted in Articles by TrustyKitty
0 replies 581 views
posted in Articles by KeyboardPie
0 replies 621 views
posted in Articles by Robottom
0 replies 924 views
0 replies 721 views
posted in Articles by BunBunny
0 replies 1,698 views
posted in Articles by Explorer
0 replies 657 views
posted in Articles by Oystrich
0 replies 551 views
posted in Articles by Tomatoad
0 replies 596 views
posted in Articles by Falconjurer
0 replies 778 views
posted in Articles by Prepatriarch
0 replies 746 views
posted in Articles by HairyFoal
0 replies 607 views
posted in Articles by TrainedGuy
0 replies 619 views
posted in Articles by Conjursa
0 replies 1,073 views
posted in Articles by Richard S.
0 replies 562 views
posted in Articles by MorningFortune
0 replies 578 views
posted in Articles by Slayerk
0 replies 562 views
posted in Articles by Catnip
0 replies 564 views
posted in Articles by DopeyPotato
0 replies 624 views
posted in Articles by DreamBaby
0 replies 622 views
posted in Articles by HistoryGuy
Connect with us:
...