No matter what your specific needs, a Student health insurance plan can provide you with a valuable health insurance solution. Here are some examples illustrating how a Student health plan might help you:
Situation #1 (College-Sponsored Plan too "Bare-Bones"):
Jack is heading off to college in the fall. At college, he'll be outside of the HMO network region of his parents' health insurance plan, but Jack's parents want to make sure he has adequate health coverage. They did some research and found that the health insurance plan offered through the college is too "bare bones," with lots of limitations on coverage.
Jack's Solution:
Jack's situation is ideal for Student Insurance Plans. These plans are designed specifically for students who need greater coverage at an affordable rate while attending college. Student Insurance Plans offer a choice of deductibles, and because it is not an HMO or PPO plan, Jack can pick the doctor or hospital he wishes to visit.
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Situation #2 (Can't Afford a Traditional Individual Health Insurance Plan):
Amy will be attending college next semester. Her school requires that she have some type of health insurance prior to the start of school. However, Amy doesn't have health insurance through her parents. And, she just can't afford the cost of a traditional individual health insurance plan. She can't risk going without coverage, but she needs a plan that will fit her tight budget.
Amy's Solution:
In many cases, Student Insurance Plans cost less than a traditional individual health insurance plan. They were designed specifically for students who need quality coverage at an affordable rate while attending college.
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Situation #3 (Graduate Student No Longer Eligible for Parents' Plan):
Bob is in graduate school and is about to turn 26-years old. He just found out that once he does, he will no longer be covered under his parents' health plan. His parents are worried about him not having health insurance.
Bob's Solution:
Student Health plans are ideal for Bob's situation. The plans are available to full-time graduate students and coverage can be obtained as early as the next day. Enrollment is simple and premiums are affordable. Best of all, as long as the premiums are paid, Bob can keep the plan for the entire duration of the policy period, even if he graduates prior to the policy ending. This is important after graduation while looking for a job.
