Student Health Insurance

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Less Health Screening

In most states, this student health insurance has fewer health questions than most individual plans. So more students are likely to be accepted on this plan. For any student whose medical history makes them unable to buy other individual health insurance, this plan may allow them to get covered.

Many college or university plans offer "bare bones" benefits that may not be enough to give financial security against large, unexpected expenses. For a student needing student health insurance, this may be better in scope, continuity, and price than what the school provides.

You have the freedom to choose your own doctors and hospitals anywhere in the United States and Canada. There is no need to be concerned with being out-of-network and there is no need for referrals. Once you have this student health insurance as a student, you can keep it for as long as you want, whether or not you take a semester off, or stop being a student altogether.

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Applicants are accepted up to 29 years of age and the policy can then be kept up to age 63. By comparison, most school plans cover the student only up until graduation or shortly thereafter. To qualify initially, it requires either nine credit hours as an undergraduate or being a full-time graduate student as defined by the school and having that status for at least 31 days.

The premiums for student health insurance are based on the deductible you choose, and your age. The premium is paid either annually or semi-annually by check or credit card. There is a one-time $20 application fee. Coverage can begin as soon as the day after an application is made online or the clear postmark date of a printed application.

affordable student health insurance covered expense description

Plan Structure

The student health insurance plan has a choice of deductibles of $250, $500, $1000, or $2500. If covered expenses are incurred, after you have paid the deductible, the plan pays 80% of the next $10,000 in covered expenses, then 100% of remaining covered expenses up to $100,000 for each illness or injury, up to a lifetime maximum of $1,000,000.

Office visits (after deductible is met) are included in this student health insurance, but the plan does not cover prescription drugs, maternity, intercollegiate sports injuries, or mental illness or substance abuse. The brochure and policy and certificate have a more complete list of exclusions.

Pre-existing conditions are not covered for the first twelve months unless there was prior coverage in the last 90 days. If so, a month of credit reducing the 12 month period is given for each month of prior continuous coverage.

If you are not 100% satisfied with the this student health insurance plan, you may return the contract and identification cards within 10 days of delivery for a full premium refund. The application fee is not refundable.

¶ Nothing here constitutes advice or recommendation of any nature, whether legal, tax, financial planning or otherwise. The comments above represent only the author's understanding of health insurance and may be incorrect or out of date.