Student Health Insurance Cover Is A Must For All College Students

For most college students the last thing on their mind is health insurance as is revealed by some recent figures which show that roughly 1 in 3 college students do not have any form of health insurance coverage. Getting a college education is a costly business and merely finding the money you have to have and getting your college loans is hard enough, but you should also consider including some form of health insurance along with everything else you will need to have.You should of course start by investigating your parents' health insurance plan if this applies as it is possible that this will cover you during your time at university. You do however want to read through the small print carefully because some plans will cover you while you are enrolled in college and other plans will not. Two items to look for in particular are location and age.A lot of insurance plans will cover children up to the age of either 18 or 21 while you are at home and some plans will extend this age limit as long as you are in full-time education. However, many plans are limited to cover within a defined geographic area and so, although you may meet the age requirements of the plan, you might find that you will not be covered if you are studying away from home.Should you parent's plan will not give you the cover you want then you will have to find your own student health insurance and will need to find some suitable providers. Happily, this is not difficult and there are a lot of insurance companies which provide plans specifically designed for college students. So, where do you begin looking?Initially you should look at your own university as universities will frequently arrange for their own students to receive cover at a discounted rate. This does not automatically mean that this is the best plan to meet your own needs and you will have to look at the details to see it does indeed meets your needs. Even so your own college is an excellent place to begin your search and will normally provide you with the best deal. Another thing to consider when looking at your own university is exactly what medical facilities are provided on campus. A lot of the larger universities will have excellent medical facilities which are open around the clock, while the majority of the smaller universities have far more limited facilities.Away from the university itself you can look to the many health insurers and several publicly funded organizations for cover. In addition, do not overlook the fact that there are a variety of different types of plan which are aimed at different groups of students. For example, short-term health insurance could be attractive to a lot of graduate students and can generally be extended after graduation to cover the period until you find a job and become covered by an employer's plan. Additionally, there are supplemental plans which will cover you for things such as pre-existing medical conditions which are usually excluded from normal student cover.These days health insurance is a complicated subject and you will need to shop around in order to to find a plan which meets your needs and also fits your budget. Nevertheless, this is something which you should not ignore because attending college is an expensive enough business in the first place and you do not want to risk your future or your money simply because you are unable to cover the cost of illness or injury.