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Student Health Insurance Options

by Guest on January 19, 2011

The need for proper health insurance doesn’t end when you go away to college. When you move away from home you begin to step away from your comfort zone and may actually take chances you normally wouldn’t.

Tragedy can strike anywhere at any time and affect anyone, and now that you’re grown, it’s time to take a hand in deciding how to protect yourself.

Information Overload

You are used to studying. Insurance is simply another thing to study. It may seem like an overwhelming task to decide what type of coverage is needed, but if you take the time and approach it in the right way, wading through the insurance information highway won’t be any more difficult than schoolwork.

Take the approach that it will be good for you in the long run, and study all the options before making a decision.

Why Do You Need It?

As a typical student you’re generally young, strong, and vigorous, with your whole life ahead of you. Thinking about being confined to a wheel chair for an extended period of time, or being diagnosed with a debilitating disease, is a foreign concept normally not worth thinking about.

However, even something as simple as twisting your ankle while horsing around, or breaking a leg in a pickup football game, could throw a crimp in your lifestyle. Don’t think those things always happen to someone else. What if it happens to you? Will you be financially prepared?

If you decide you really don’t need insurance and end up in an accident you may decide not to seek medical care because you can’t afford it. If you wait too long the condition could worsen and you’ll end up paying more than you would have if you’d visited a doctor immediately.

Custom Plans

Because you’re young and in overall good health it will probably be easy to get a policy at a reasonable rate, but traditional health insurance coverage will not always be the answer. Shop around. Find out what areas you really need protection in and customize your insurance plan to make sure you’ll be covered should the need arise.

Other Options

If you have a job, a basic health insurance plan may be available through your employer. Even if it’s only partial coverage, it’s better than none at all. While it’s true that most college students that work don’t make a lot of money, every little bit helps and employers realize the need to keep their workers fit and able.

Another option is taking out a policy through the school you attend. Many schools offer special rates because their medical care is handled through a student health facility. You may qualify. Insurance companies are used to dealing with people who don’t have a lot of money to spend. Find an agent that is familiar with people in your situation and work with them to find the best possible coverage at the best price.

Don’t be afraid to ask questions, such as the opportunity for group rates or short term health insurance plans. The options are endless, and so are the possibilities. You’ll be glad you took the time to find out what will work best for you.

This is a guest post from Bailey Harris. Bailey writes about health insurance companies, finance, and related topics for

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