Student Health Insurance
Education is a huge expense for most families and individuals. The cost of health care would definitely increase this financial burden. However, there are many ways to save money on student health insurance. We would help you find affordable student health insurance that fits your need, no matter you are a graduate student or an international student in US.
The student health insurance is designed for full-time college students, between 17 to 29 . You can obtain it by independent individual policy or standard group student health insurance from school. While, if you are a student over 29 , you may have the health plan without limitation of age, such as student select offered by health insurance Companies, such as blue cross. Introduction of student health insurance
- Why health insurance for students is important
Since you are over 18 years, your parents’ health insurance can’t cover you as their dependent. The student health insurance will give you proper protection instead.
- Your health and well-being affects your educational experience.
- Many care providers will not give health care to someone who does not have insurance, or they will ask for full payment at the time of service. Without health insurance, health care would be very expensive, especially for emergencies.
What kind of health insurance is available?
- The student health insurance plan
The student health insurance, which does not cover spouses or other dependents generally, suits for the full-time college students between 17 to 29 years.
The student health insurance has a wide coverage, from doctor visits to emergency treatment. The higher premium, the more extensive the coverage.
The preauthorization is required by many insurance companies when offering student health insurance.
The student health insurance is renewable and valid, as long as you remain full-time student status and pay the premium in full. It even offers extension if you drop a class or newly graduate. Moreover, the student health insurance can continue if you transfer to other schools in the United States or Canada.
This kind of health insurance is often offered by health insurance companies. You can buy it online or offline.
- standard group student health insurance
The standard group student health insurance is offered by the college or university. These plans are usually more expensive comparing to outside student health insurance plans. You usually have to consult in a university health center first before being referred by any specialists. The coverage is also limited and less flexible.
- The cost of student health insurance (individual student health insurance plan)
|
Fortis Student Select |
Student Health Insurance Plan of Blue Cross Blue Shield |
Deductible options |
$250;$500;
$1,000;$1,500 |
$200 |
Benefits items |
Pay for 80% of the coverage expense if the expense is less than $10,000.
Pay for 100% of the remaining expense over $10,000.But not exceeds $1 million. |
Pay for 100% of hospital expense for emergency care and server sicknesses. |
Renewable or not |
Yes |
Yes |
Co-pay options |
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Remark |
You may choose hospitals and doctors by yourself. |
It protects you even when off-college or traveling all year round. |
College student health insurance
For college students who are over 18 years, there are many options for health insurance. Some colleges require their student to enter the group health insurance. If there is no requirement of college, you may have you individual health insurance as long as you meet the eligibility, such as student health insurance plan, student select, etc. Graduate student health insurance
If you are a graduate student over 29, you might not purchase student health insurance plans. However, you may attend the college group student health insurance or have your private health insurance, such as individual health insurance or Family health insurance.
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