Student Plans - Health Insurance for College Students

Most colleges require students to carry health insurance, though plan requirements vary from college to college and university to university. Most schools offer health insurance plans to its students, which can be waived if the student is covered under a family plan, or under a parent or guardian's insurance plan. Student plans are known as SHIP, Student Health Insurance Plans. For students enrolled in a health insurance plan through their university or college, the premiums are often part of the school fees and tuition costs. Some college student plans require visits to the school's health center and does not allow students the choice to see their own physician.

A student plan typically covers trips to the college or university's health center, prescription medication, checkups, and will sometimes cover appointments with specialists. A copayment or deductible may be required for emergency room visits, if covered at all. Each plan is different and each school has different plans. Research the plans available at the school of choice prior to enrollment. A student may also benefit from looking at student plans from private insurance providers outside of school. Since health insurance rates and premiums are competitive, it is well worth it to shop around and research plans.

In addition to a SHIP plan, more coverage options may be attainable through additional voluntary student plans. These voluntary plans may allow the student to see doctors other than the ones at the student health center or go outside the network. A voluntary plan may also provide the student with the ability to receive health care from specialists and may provide additional medication coverage as well as dental and vision coverage. This is a great option for students that have monthly prescriptions or conditions that may require visits to a specialist.

Students entering college are required to have a medical checkup and have several vaccinations. With these medical costs that are incurred before school even starts, it is a good idea to have student coverage health insurance prior to starting college. International students with a J-1 exchange visitor visa are required to have student health insurance as well, per the U.S. Department of State. An international student should choose a student plan that also includes medical evaluation insurance, health and accident coverage, and repatriation of remains. The basic plans offered by universities and colleges will cove basic medical needs and medications, but more extensive coverage can be obtained from other student plans.If you need assistance in locating particular coverages at a pre-determined price, we can help save 50% on health insurance.