When a young adult is studying full time at a college or university, he or she is automatically enrolled in the university’s health plan. Parents are delighted because health insurance for their kids is no longer a concern of theirs (at least while enrollment is in effect). It’s a done deal. Health insurance for students is a perk for those receiving a higher education.
However, some students opt for additional insurance besides the one provided by their educational institution. Clinics at school are usually over crowded and despite having some of the best pre-med or medical school on campus, students are left waiting long hours for appointments. No full time student has the time or patience to wait (that is best left for those in the real world).
With sexually transmitted disease rampant on campus, lack of sleep and proper diet, and the rapid circulation of the common cold to the flu, its not wonder students are in need of the best health care coverage. Health insurance for students will provide an umbrella for those enrolled in the school’s health plan but who need a bit more coverage. No nursing staff at a crowded clinic will be able to diagnose everything, after all.
The bonus of having health insurance for students as a secondary means for protection is that premiums would be rather low. Students are younger and typically healthier so insurance carriers reflect this reduced risk in their lower costs.
Parents will also rest easy in knowing their loved ones are not sent to on campus health facilities instead of the off campus choices. Health care is less comprehensive for young adults with just a student plan.
Additionally, when education is completed, any one enrolled in a school’s health plan will no longer receive health insurance for students. However, if the student was already enrolled in a secondary insurance plan, he or she will have had a history with the company by the time schooling is over. And by having history, there is a distinct possibility the health insurance company will offer greater coverage at a greater discount.
Health insurance for students need not be tricky. The best option is to remain enrolled in the educator’s health plan but to also shop around for a second option. It’s easy to research costs and coverage by entering a zip code in the above box. Researching the best insurance quote is simple and fast.
One final piece of advice for those looking for health insurance for students; Do not feel unsettled in dropping coverage if the plan is not good enough for a young adult. He or she has a demanding study schedule combined with coming in contact with a multitude of people a day. Just because a young adult is healthier than older health plan subscribers does not mean insurance is petty. It’s a necessity. There are risks in all age brackets but why create more concern for those just starting out in life. He or she should be protected fully and carefully. After all, our future is in the younger generation.