Is student health Insurance affordable? The answer is yes. There are a lot of advantages for the college student when it comes to health insurance options. There are however, large numbers of young people attending colleges and universities that have no coverage at all. This often happens when the parents lose their health insurance because of lost employment and so the student has no coverage either. There is a huge investment being made in the student attending college. It is imperative that the students protect their financial commitments as well as their parent?s assets because of an unforeseen illness or injury.
There are obvious reasons that student health insurance is so affordable. The age and health status of young adults reduces the likelihood of extensive medical underwriting by the insurance company. Insurance Company underwriters also know that the young adult is a lower risk in comparison. These factors generate low premiums for the college student.
The premiums are low to begin with and you can reduce them even more by taking higher deductibles. The student can purchase major medical plans with the same options that exist in traditional forms of individual and group plans. Student health insurance has the same in-patient and out-patient coverage?s that you will find in most health insurance plans. There are Major Medical limits up to one million dollars. The stop-gaps and coinsurances are similar.
The bottom line for students and parents is that student health insurance if necessary is affordable. You will be pleasantly surprised with the cost of student health insurance and it will give you peace of mind.
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