Student Health Insurance
How can a student health insurance plan help college students?
There are many reasons why health insurance for college students can be beneficial. Student health insurance will cover those students that are no longer eligible to remain on their parents' healthcare insurance plans. It can also help parents to find affordable healthcare insurance for a child who is no longer in the network of their family plan, which is the case for many students attending college out of state. A student health insurance plan is also a good option for students who cannot afford a traditional private health insurance plan, but still want to receive some health insurance benefits to have in case of an emergency. In some cases, health insurance for college students can also be extended once the student has left college and needs health care coverage in the interim between graduating and finding a job. Most student health insurance plans can be renewed as many times as you would like. The only stipulation is that you attend college full time for a minimum of 31 days after purchasing your policy.
When I am on a student health insurance plan, will I have restrictions as to which doctors and hospitals I can visit?
For most student health insurance plans, there are no restrictions as to where you can go for your medical care. This allows you to see the doctor that is the most conveniently located for you, regardless of if you are at school or at home on break.
Before I get medical services, will I need to get authorization?
With health insurance for college students, you do have to get pre-authorization for medical care. This helps to ensure that you are obtaining the proper healthcare that utilizes the benefits of your student health insurance plan. Your healthcare insurance provider will usually issue you an ID card that will have a number for you to call for authorization.
Are there any requirements that I must meet in order to purchase a student health insurance plan?
There are some requirements that you will need to meet to be eligible for health insurance for college students. In order to be eligible for student health insurance, you must be between the ages of 17 and 29. You must also be considered a full-time student by your college, which is typically a student that is taking at least nine credit hours. In some cases, your school may consider six credit hours a full-time student. You should check with your school as to the qualifications for full-time status before you apply for health insurance for college students.