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