When you start to consider student health insurance, there are several things you need to know. Having insurance is an important necessity for students, yet there is a surprising number of students who don’t have health insurance at all. You can find various types of plans and insurers providing them. Therefore, before purchasing any student health insurance plan, it is important to get detailed information regarding what’s available.
You should also consider your needs and budget in order to choose a correct plan for yourself. Affordable student health insurance plans are especially meant for college students. This type of plan covers all the cost if a student gets sick or injured while attending college. It is beneficial to have this insurance plan because if during college you are hospitalized and don’t have any insurance then you will have to pay all the bills yourself. Paying those large amounts of bills at college time could be a major burden for you. Thus, it is always advisable to have health coverage while attending college.
Questions for Comparing Student Health Insurance Rates
Health insurance rates can widely vary depending on the insurance provider. You should compare insurance rates before taking health coverage like you would do for purchasing anything else. Never feel shy about comparing insurance plans because information is the key to proper coverage. Here are some questions you should ask when shopping for insurance quotes:
a. What is the maximum coverage you would be getting?
b. What will be the deductible?
c. What will be the cost and how will it change as per different deductibles?
d. What things will not be covered? For instance there are several things which some insurance plans do not cover like intramural sports injuries.
e. Are there any specific hospitals where you need to go?
f. Will you need a referral to visit a specialist?
g. What if I get sick or hurt while I’m traveling?
h. Is it necessary to get a pre-approval from the insurance company prior to visiting any health care provider?
i. Will you be covered as a graduate student, or is the coverage restricted to undergraduates only?
j. Will it cover the well-visits or healthy patient visits to a physician?
Also, before accepting any insurance, ensure they have good customer support with easily located contact information and toll-free telephone numbers. These are some of the basic questions you should ask when going for any student health insurance plan. But never limit yourself to these questions. You should clear all your doubts to avoid future harassment.