Student health insurance in Florida

The costs involved in a student health insurance plan sometimes offend the general interest of students for health insurance: they are already burdened by the expenses of study, meals, tuition, rent, illness and other auxiliary costs.

Students often have a general perception that health insurance would cost them a fortune and they should avoid buying it. However, the reality is opposite. A student having a health insurance plan enjoys financial freedom and can concentrate on the main tasks for its life.

Some findings reveal the following challenges to student health insurance in Florida:

1.    Around 25% of students in Florida are uninsured.
2.    More than 50% uninsured students are willing to get insured.
3.    A lot of students don’t even complete school due to costs involved in medical reasons.
4.    Many of them avoid seeking a doctor due to costs involved.
5.    Internet remains the major source for search and purchase of student health insurance in Florida. This sometimes hampers or mars the comprehensive agent-like advice offered in person.

The health care reforms become increasingly important if one throws an eye over the abovementioned points. A general finding for any type of health insurance helps in revealing that consumers who are uninsured tend to stay away from availing healthcare services. This throws their health into jeopardy. When it comes to the health of students, who are more prone to accidents, influenza, etc, the situation becomes more stringent.

A lot of companies in Florida design student health insurance based on research findings. However, health insurance plans designed to meet student’s needs should ideally follow these guidelines:

1.    It should integrate with student health centers and their services
2.    It should be flexible in both benefits and premiums
3.    It should include mental and behavioral components
4.    It should have a broad network of providers and superior efficiency in its functionality
5.    The plan should have a readily available support system