Sunday, February 10, 2008

Is there any health insurance for college students?

You have a few options depending on your health. If you are healthy, there are a couple of companies that offer short term medical, which is renewable. Some of my clients get it if they have less than two years left, or when they graduate and come off their parents insurance, before a job. Secondly you can just purchase an individual health plan from several carriers. Since you are in college I would guess you are in the 20's, therefore the cost should be cheap. What you want to do first is evaluate how you will use your insurance. If you don't go to the doctor much than you might want to purchase an individual health plan with limited doctor visits (ex 4 sick visits) These plans are great and less expensive. Lastly, you also have the option of indemnity medical insurance. These are plans that pay for specific services with a specific amount. These plans don't usually carry a waiting period, deductible and are illness friendly (meaning some conditions are okay). These are the cheapest. I have college clients who like these because they have coverage but since they are really only concerned "if something happens" the price and coverage is right. Go to the link below and read some helpful insurance tips. The second link will allow you to quote, compare and apply, also click on the individual and family, it will go over the pro's and con's of the different health plans (HMO, PPO, and so forth)

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