Student Health Insurance – How To Find The Best Quote
June 4th, 08If you are a student who is shopping around for a health insurance quote before going off to college, do remember that the price of the policy is not the most important aspect of the insurance. Of course, the price is important to a student who is going to school full time, for college is an expensive proposition! But it is never too early in life to learn the value of knowing where your money is going. It is a good idea to know exactly what kind of health insurance coverage that you are going to get before you spend your money on it.
That way, you will know whether or not you are getting your money’s worth.
You should ask questions of the insurance agent about the types of insurance plans that are available. You can find an affordable health insurance plan if you are careful to get the exact coverage that you need. Make sure you ask for an explanation of any terms that you do not understand. If you have any sort of medical condition that needs ongoing care, ask if there is any way you could buy a small policy that would treat only this condition as well as the policy for general care. This way, the extra cost of your medical condition will be covered by insurance.
Find out how much of a deductible you will be expected to pay. As a general rule, your premium will be cheaper if you choose a larger deductible. Ask if there is a co-payment that you will be expected to pay once you pay the deductible for your medical care.
Before committing yourself to an insurance policy, check and see if your college or university offers any kind of health coverage. Often, colleges have clinics on the campus that will provide medical care for free, or very cheaply. This can help to save you some money if the college will pay for some of the medical care that you need.
Be aware that most colleges do require you to have a minimal health insurance policy, so do not think that you can just use your college’s medical clinic if you are a healthy individual. Also, your school may have teamed up with an insurance company and can offer you an affordable student health insurance policy. You would pay less by going through the college than if you went through the insurance company as an individual.
Recent additions:
- Types of Health Insurance – Traditional Indemnity
- Short Term Health Insurance
- Affordable Health Insurance
