For those who are planning for a higher education, parents and students need to be aware that many colleges and universities now require students to have a health insurance plan in order to attend that school. If a school does not require it, you will often find that some majors and programs do, especially for those looking to study for a career in the medical field or working with children. High-risk programs that require some field study will also often require some kind of medical coverage. Some family insurance plans do have a provision for full-time college students attending accredited schools. This means the family can continue to carry insurance on the student until they are 18, 19, and sometimes up to 21 years old. However, at some point, the student is going to need their own coverage while they are still in school.
Schools
Some college and universities offer coverage themselves. Typically, students will e required to either purchase a policy from the school’s plan or provide proof that they are covered under an existing insurance plan. To be eligible for insurance from the school, a student must be attending part- or full-time and enrolled in a degree program. Students can also get coverage for their spouse and children with such policies.
Individual Coverage
For students who can not get coverage directly through their school, it is important to look for an affordable individual health plan. Students can often find these plans with discounts for college students.
Many student plans can also cover maternity expenses, psychiatric expenses and other medical expenses for an added cost. Medical insurance is a good thing for a college student. With the rampant frequency of illness and being on a campus with hundreds or thousands of other students, it is important to know you’re covered just in case. Paying for your own insurance is a great lesson in self-sufficiency as well.
Whether a school requires insurance coverage or not, a student should have it. It will help to save their health and will give their parents a little less worry.
