| Everyone knows that College is expensive. In | | | | They do not provide the comprehensive |
| planning to meet these expenses health insurance | | | | coverage of the private College student plans. |
| for College students may be low on the list, but it | | | | They also do not allow the freedom of choice. |
| could be first on the list of possible financial | | | | They will most likely require treatment be given |
| disasters that can derail all your well thought out | | | | by doctors or clinics associated with the School. |
| plans. | | | | The majority of private College student insurance |
| There are several ways that College students can | | | | plans will allow treatment by anyone selected by |
| meet their health insurance needs. Many family | | | | the student or their family. |
| plans allow the student to remain on the family | | | | Usually, the number of credit hours required to |
| plan past the age of 18 as long as they are | | | | qualify for Student Insurance plans is lower than |
| enrolled in a minimum number of credit hours at a | | | | family plans. The policies allow for breaks in the |
| College or University. Many schools also have basic | | | | educational process of short duration, and are |
| health insurance programs that are offered to | | | | transferable from school to school. Most plans |
| students. Some schools make insurance | | | | have reasonable deductibles and are especially |
| mandatory. | | | | geared toward catastrophic situations with very |
| There are also privately offered health insurance | | | | high upper coverage limits. |
| plans just for College Students. Often, these | | | | The Student Insurance plans are subject to the |
| represent the best choice. The problem with | | | | same pressure from increasingly high medical |
| keeping the student on the same family plan that | | | | costs as all other forms of health insurance. This |
| they have been on since childhood is usually the | | | | means that they do have exclusions, and |
| cost. Family insurance is expensive, has high | | | | knowledge of these exclusions is necessary in |
| deductibles and extensive exclusions. The private | | | | comparing and evaluating policies. Most will not pay |
| health plans generally have much lower premiums. | | | | for expenses relating to pregnancy, for example, |
| This is because College students as a whole are | | | | despite the very real risk of that condition in |
| healthy and less prone to injury and illness than | | | | today's educational environment. Your Insurance |
| smaller children. | | | | Agent can guide you to the best Student Health |
| The plans offered by the Colleges themselves are | | | | plans and suggest any necessary supplemental |
| too often what are called "bare bones" policies. | | | | insurance to make sure any gaps are filled. |