Student Medical Insurance
College and university students should seriously consider student medical insurance. As its name implies, this type of coverage is designed for the needs of students. Some educational institutions have their own medical insurance for students. In some cases, these plans may be required for students, or the student must show they already have adequate insurance from another provider. There are insurance companies who sell special student medical insurance policies.
The majority of students in college enjoy good health because they are young, however there are some conditions unique to this group. For example, teens and college students who live and/or attend classes in large groups are more susceptible to contracting meningitis. In addition, many students travel, sometimes to third world countries to pursue their studies. Also, female students may require gynecologist visits for regular checkups or other reproductive health issues. For these reasons and more every student should have some form of health coverage.
Large universities will likely have a medical clinic where basic acute care can be obtained, often for students who live on-campus. There may be fees associated with this service that are part of their dormitory costs. Some schools are linked to teaching hospitals, in which case students have access all kinds of medical care services. Colleges that are not affiliated with teaching hospitals often direct students to off-campus facilities for medical care, making health insurance a must-have to avoid expensive medical bills.
If you are shopping for a health insurance policy from an outside insurance company there are some things to look for. Usually, student medical insurance is lower in cost than other policies because insurance companies are aware that college students often live on a limited budget. Because the plans are cheaper, they may be restricted in some areas. They are usually meant to fill in what the school may not cover. This can be especially important for students who have chronic health conditions.
Upon college enrollment, students should go over medical insurance documentation in detail. For some, the plan provided by the school will be enough for them. However, catastrophic health insurance may be a good addition to the student plan, just in case of a serious incident. If the school does not provide health insurance deemed adequate, it is wise to inquire whether or not student health insurance can be purchased from an insurance company affiliated with the school. If this option is not available, students can go to outside insurance companies to look for student medical insurance.