Insurance Matters Even When Your Kids Are At School

Sending you kids off to college? Letting them leave the next? Hold on, because there's a lot to think about. Planning for your kid leaving for college is an extensive process that requires you and you child to do some serious homework. Te first thing that should be at the top of the list is to decide on a health care plan. Planning for a supposedly indestructible teenager about to go off by his or her self might seem like a technicality, but there are a lot of things that can happen while they are away.

There is also the issue of whether or not this new student will be able to continue with the parental insurance coverage. This is something that needs to be looked into before the move to a school that is a good distance from home. Insurance companies have limits about what providers can be used as well as how far their coverage will extend without costing more out of pocket. Some companies will only allow a child to be covered until age 21, and that is not enough time usually for anyone to finish school.

The colleges will take care of helping with insurance cover and will normally have a company and a clinic set up on campus, and that is important since most students, especially, freshmen, have no access to transportation. Also, most students are at the college because of financial aid of some sort. Don't take your chances.

If the student doesn't have parental coverage or a school plan, you'd better do some investigating before it is too late. Independent health insurance companies aren't always that expensive and sometimes less expensive than the ones offered by the college. Do your homework and compare numbers and you might find a better deal than the ones advertised by the college.

Your kids will have enough to worry about when they leave for college and get away from home for the first time. They have classes and will be taking care of themselves for the first time and won't have a home to come back to every night. Give them the piece of mind in knowing they have insurance and that they can enjoy their college experience without any more worries.