subject: Choosing The Right Health Insurance For Your Student [print this page] If it is time for your young family member to finally leave the nest in pursuit of a college education to ready them for the real world, there are a lot of things that have to be made ready. Dorm rooms, transportation and other factors will help make the transition more rewarding. At this stage in their learning, you will need to reexamine your health insurance policy to make sure they will still have vital health insurance coverage should they require it. Your policy coverage for the student might change due to college location and the type of policy you have. Addressing this issue early will help keep things healthy.
Being able to offer health care at discounted rates within a specific area is one of the formulas used by areas in partnership with doctors and hospitals to help stimulate the growth of business in any given area. This boost in business is in every ones interest as well as the money saved through medical service discounts. It is a win win situation for everyone. If your child will be attending a college outside of this specific area, your health care insurance plan might have to be modified to cover their needs while away at school.
Most colleges and universities offers what is known as student health care coverage and for most college students this is a good, sound investment. Student health insurance is designed to cover that student while they are in the region of the school and this means that the doctors and hospitals in that area will be more likely to accept that health insurance plan and will provide higher benefits.
Parents worry about the cost of purchasing this additional insurance plan but because most college age students are in relatively good health and the health insurance is bought as a group plan and not an individual one the cost is actually very reasonable and can actually save you money if you are taking them off your family plan. Of course, if you don't opt to purchase student health insurance for your college freshman then it is important to make sure that your health insurance benefits will cover them while they are in the area where the school is located and it is a good idea to find out in advance which hospitals and doctors in the area will accept your health insurance at a higher rate.
Emotions will naturally run the gauntlet when you pack them up and send them off for the first time. This will no doubt be a time of reflecting on the past and what the future might hold. They have to learn how to survive beyond your walls and you have to let them become adults. Knowing their health insurance needs will be met, is that little extra thing you provided for them.
by: Ethan Kalvin
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