It's important to find affordable health insurance for college students. It's a fact that most parents and students don't even think about until, unfortunately, there's an illness and the coverage needed to have started yesterday. Don't be caught unprepared. Slapping on a band aid is easy, but paying with your health is stupid.
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Difficulty:
Easy
Instructions
1
Pull out the family health care plan booklet, if applicable. Check specifically for the maximum age limit allowed for dependents to be covered under the family policy. Note that many health care providers now allow coverage up to age 26.
2
If a college student is working at a part-time job while attending college, he should check at work to see if he may be eligible for affordable health insurance coverage through the employer. Note the laws regarding health care coverage vary from state to state and normally only apply to businesses with 20 or more employees. Be aware that the number of hours averaged per work is usually a factor, but this avenue should not be overlooked.
3
Contact the admissions office at college to inquire whether they work with health care providers that may offer affordable health insurance packages to college students. When comparing these health insurance providers, make sure to note what exactly the policy covers and for what time period. Inquire also about the deductible, out-of-pocket expenses in case of illness. You may find it more cost effective to pay a slightly higher premium with a lower deductible.
4
Acknowledge the probable late night study or party sessions combined with the average college student diet can result in an overworked immune system. Though it's normal for younger people to feel invincible when it comes to health issues, realize this is just a part of growing up and accepting responsibility for yourself. Don't delay research on affordable health insurance. Make a point to investigate resources upon high school graduation so you're prepared before it's time to sign up for college classes.
Tips & Warnings
If health care insurance is absolutely not in your budget, you should check for income-based urgent care health clinics in the area which may also cover prescriptions and birth control at a reduced cost. The charge for services at these facilities is figured per income. Students often receive free care or are charged a minimal fee.
Be prepared. If you have to borrow extra dollars on a student loan to acquire affordable health insurance, then do so. A simple illness, gone untreated can be disastrous if you are forced to miss several days of classes and fall behind in your schoolwork.
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