subject: Health Insurance For College Students [print this page] It is commonly known amongst people that health insurance plans for families will cover minor children. What many people are unsure of is whether their health insurance plans, or health insurance plans they are considering, will also cover college-age children. College students rarely have their own individual health insurance plan through an employer simply because most employers require the person to be working full time and to have been employed for a certain length of time before becoming eligible for health insurance. This can leave a college student not covered for health insurance for a considerable period and can be a potential hazard if an accident happens or an illness arrives and the student is in need of medical treatment.
If you are a parent of a college-age child, it is important to find out the age cut-off for children in your health insurance policy. Many standard health insurance companies will offer family policies which do cover children over the age of eighteen as long as they are enrolled full-time in college. This is usually provided up until the student is twenty-one years of age. Though this is a basic standard with many insurance companies, it is important to ensure whether your insurance company does cover your college student child. Many companies have a limitation on children and do not offer coverage to children over the age of eighteen. It pays to ensure what the age limit is on your family health insurance policy so that your college student child will not be left without necessary health insurance. In college, students often come from many parts of the state, as well as from other countries to study together. The number of students in one college, whether it is a community college or a state university, is often in the tens of thousands. This sheer number of people together puts your college student at a potential significant risk of contracting an illness such as mono, pneumonia, or meningitis. Without treatment and necessary prescription, these illnesses can be potentially fatal to a college student. Having the benefit of health insurance will allow the student the opportunity to seek medical attention as soon as he or she begins to feel ill. Many students without the benefit of health insurance often wait for a long time to seek medical help when they feel ill and then the illness has fully attacked the body, making recovery longer and more difficult.
If you have a child soon entering college, or one currently in college, it is important to take the time to speak to your health insurance company and find out your options for health insurance for your college student. Many health insurance companies will offer special plans for families who have college students and these plans can often provide a beneficial and affordable option for uninsured college kids. Having your college student insured medically will provide you with a peace of mind while your student is away studying at a community college or university.
by: Casey Trillbar
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