Best Insurance For College Students – The last thing you want to think about while getting your degree is spending extra money on health insurance. But what if you need emergency care? Affordable health plans can be a powerful tool for preventive care, chronic health conditions, emergency medical care, prescription drugs, and a connection to a dedicated professional.
As a student, you’ll find that there are many health insurance options that won’t break your bank account. If you need the best student health insurance, use our guide to learn more about the best coverage options for you.
Best Insurance For College Students
If you are relatively healthy and live on campus, it is best to enroll in your school’s health insurance. These plans usually provide all the basic health care services that college students need at an affordable price.
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First of all, most universities have doctors you can visit, making it a convenient way to take care of your health. Most colleges also offer different levels of coverage, making it easy to choose exactly what you need.
If you are from a low-income household or have no dependents and earn a small salary each year, you should consider Medicaid options. In many cases, if you earn below a certain income, your health costs can be fully covered, saving you thousands in premiums each year.
Even if you don’t meet this income requirement, you can still get cheap insurance as a student, especially if you live on your own. If you don’t think you can afford health insurance, you can get good student health coverage at a low cost by applying for Medicaid.
If you want to explore more options with a provider, you should check out Cigna’s plans on the health insurance marketplace or on its website. Cigna offers several different levels of basic health coverage, as well as catastrophic plans or limited coverage. It has a plan suitable for most income levels and allows you to add additional coverages such as vision and supplemental insurance.
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Cigna is also an affordable option with low copays and plans that save individuals an average of $539 per year.
Students have different needs than other individuals, and Blue Cross Blue Shield understands that. Because you may need immunizations and shots at each quarterly checkup, Blue Cross Blue Shield works with various states and schools to offer their own Blue Cross Blue Coverage plan for students.
It offers student-specific plans that vary by state, with affordable insurance coverage options for students. You can find your state’s plan by visiting their site and selecting your state of residence (or the state your school is in) to learn more.
If you want great health insurance coverage at a low cost, you should explore plans through the Humana Health Insurance Marketplace. Humana not only offers basic health insurance plans as well as dental and vision supplements, but it focuses on health throughout the service.
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This includes mental health, health and wellness services and many other comprehensive services. If you want health insurance that covers everything you might need, check out your options here.
Student health insurance is the only health insurance plan that covers students, which may include health plans you purchase through your school.
Health problems become more common with age, so young people who are lucky enough to be in good health may feel that paying monthly premiums for coverage they won’t use is a waste of money. But having insurance can save you money in the long run—all it takes is one emergency or illness to pay off your medical debt.
There are different types of health insurance for college students, depending on your specific situation. In general, college students have the following options, which are detailed below:
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Your parents’ health insurance plan: If you’re under 26, in most cases you’re allowed to stay on your parents’ health insurance plan, which is probably the cheapest option. And if you’re going to school out of state, it’s important to read your insurance policy to understand how out-of-state coverage options work. In some cases, you may be fully covered, but some plans may have limitations, leaving you looking for other options.
If you’re 26, 26 or older, you should check out one of three other student health insurance plans:
College-provided student health plan: Some schools and universities offer student health plans to help provide coverage options. These plans and benefits vary between colleges, and there are often different levels you can choose from. Some offer additional policies such as vision and dental insurance coverage, others may include only basic health coverage, and others may include comprehensive coverage, similar to a co-parent plan. Before making a decision, it’s a good idea to review your school’s options and compare them to other available options.
Regardless of the amount of coverage, only a student health plan allows you to avoid paying the insurance fee penalty.
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Marketplace Health Plan: Another option you have as a student is to enroll in a Marketplace health insurance plan, where you can shop for the specific coverage and premiums that work best for you. . You can choose a comprehensive or essential health insurance plan that covers doctor appointments, hospital visits, mental health services, pregnancy and sexual health, prescription coverage, and more. You can also find a plan that offers dental and vision benefits if needed.
If you’re looking to save, you can also look for catastrophic health plans to help pay for unexpected emergencies or trips to the hospital. These plans generally have low monthly premiums and high deductibles, but could save you tens of thousands if you become seriously ill or have a costly accident. Many catastrophic health care plans also have multiple preventive health visits and doctor appointments each year.
Medicaid or CHIP: If you live on your own or your household income meets the criteria for Medicaid or the Children’s Health Insurance Program (CHIP), you may be eligible for free or low-cost insurance. Medicaid has no age limit and can cover you if you qualify without its income limits. CHIP has an age limit of 19, but is available to students who are not on their parents’ insurance plans and who earn below the income limit.
The cost of student health insurance can vary based on the type of plan, amount of coverage, provider, and any pre-existing conditions you may have.
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What you need to know when choosing a plan is your budget and whether you want to pay more each month for a lower deductible plan or pay less for a higher deductible plan.
A low-deductible plan with a $500 deductible and $10,000 in coverage, for example, may cost more each month, but you’ll also need to spend $500 in health care bills before you reach your deductible. After your deductible is met, your insurance will cover the remaining $9,500 per year of your policy.
A high-deductible plan with a $5,000 deductible and $10,000 in coverage will pay less each month, but pay $5,000 in health care costs before your insurance starts paying the remaining coverage each year.
If you are already enrolled in your parents’ plan, your parents will re-enroll you when they renew their plan each year. If you are purchasing student health insurance through your school, your college or university has an online or physical enrollment form that you can fill out.
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If you sign up for health insurance marketplace coverage, you usually apply during your state’s open enrollment period. Usually, this period is from November 1 to mid-December. However, if you’ve just turned 26, are turning 26, or have experienced a loss of coverage, you can usually sign up for this life-changing event.
To learn more, visit healthcare.gov and find out if a change in your life allows you to enroll outside of the open enrollment period. On its site, you can also find out if you qualify for Medicaid or CHIP, select your state and answer some income questions.
Student health insurance should give you peace of mind—it should never feel like a burden. If you’re interested in finding the right coverage at the right price, be sure to research Medicaid and your school’s options before you visit the marketplace. If you need to find a plan through the Marketplace and aren’t sure where to start, here’s help. Just enter your ZIP code and we’ll compile free student health insurance quotes for you.
Yes, college students can qualify for free or low-cost health insurance through university plans, state programs, or Medicaid/CHIP if they meet income requirements. It is important for college students to research and ask about the options available at their particular institution or state. Don’t be surprised if your child gets sick at school. Increased social interaction, high stress, lack of sleep and poor diet can often contribute to a variety of health problems, from the common flu to more serious ones.
College Student Insurance
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