In families with health insurance, a college student remains eligible for coverage as a dependent until graduation. This article is about health care options for the student who does not have coverage through the family policy.
Many universities provide some degree of health care for their students. In the larger schools, this usually amounts to a contractual arrangement with a local HMO. Some schools provide better coverage than others but, for the most part, the group policy has limited coverage and relatively high copayments for anything other than the most basic doctor visit. The student is also confined to the medical facilities and staff provided by the contracting HMO.
There are a number of student health insurance options on the market that vary somewhat from standard policies and manage to keep the monthly premium at a reasonable level. Fortis Insurance offers Student Select, a student health plan that applies an annual deductible of between $250 and $500. The choice is yours and is reflected in your monthly premium. After the deductible is met, Fortis will pay 80% of every medical bill that comes along, up to a total of $10,000. Thereafter, Fortis pays 100% of costs.
The coverage is fairly comprehensive. It includes emergency and hospitalization, X-ray and lab costs, doctor visits and intensive care coverage as an inpatient. Coverage does not extend to pre-existing conditions, pregnancy, prescription drugs or substance abuse care. This is a PPO, or preferred provider plan, meaning you can select the physician and facility that you wish to provide treatment.
There are also short-term health insurance policies available for people in transition, which might well include seniors or students who are transferring. These policies are good for three to twelve months and are also usually PPO plans that allow choice of health provider. Deductibles on the basics such as doctor visits are usually low. Depending on the policy, the deductible on inpatient services may range from 20% to 50%.
Sometimes a policy like this is a good bet. If you are young and healthy, the coverage that is important to you is for doctor services, medication, emergency treatment and checkups. Coverage for serious illness or extended hospitalization may not be a necessary investment. Short-term policies often provide this sort of minimal coverage, which may be plenty for a college student.
Aetna has a program that offers medical coverage over and above that provided by the student’s university. This concept includes a dental option and a behavioral health component. Health coverage enhancement such as this is another worthwhile option to explore if the campus health center is inadequate in the student’s eyes.
Another option the student can explore is locating the most inexpensive HMO in the area and selecting their most inexpensive plan. HMOs tend to keep their copays low for basic services; if basic services are all that is anticipated, it is another cost-effective choice for a student to pay for basic coverage and hope for continued good health.
|
Westwood College is an institution of higher learning dedicated to providing quality, career-focused undergraduate and graduate programs that prepare students with the knowledge, skills, and credentials needed to launch, enhance, or change careers. The College offers broad access to education and serves a diverse, multicultural body of students in an environment that promotes pride, respect, and teamwork. The College's programs are designed to empower students to pursue their individual career goals.
|
|
|
|
|
|
Our programs are current, in depth, and job oriented. A sound educational background, combined with "hands-on" experience, is required to meet the needs of an ever-changing and increasingly technical society.
|
|
|
|
|
|
|
At ITT Tech we are committed to helping men and women develop the skills and knowledge to pursue many opportunities in fields involving technology, criminal justice, and business.
|
|
|
|
|
|
|
Saint Leo University Online is a leading provider of accredited online education to working adults and is a major global provider of education to the military. The online programs are designed to meet the growing needs of adult students and offer the best attributes of traditional classroom education in conjunction with today's most innovative computer technology.
|
|
|
|
|
|
|
Newbridge College provides high-quality, career specific training and an emphasis on practical skills required by today's employers.
|
|
|
|
|
|
|
Once you decide to become part of the expanding, exciting, and in-demand world of healthcare, selecting the best college to meet your needs and goals is clearly one of your most important decisions. Medical Careers Institute, the School of Health Science of ECPI College of Technology, understands the aspirations of people who want to experience the rewards of caring and who want a direct route toward their career goal.
|
|
|
|
|
|
|
Courses that you can take with you---the varied curriculums at HoHoKus Rets School of Business have been evaluated by the American Council on Education, allowing graduates to earn up to 55 college credits at more than 1500 colleges and universities across the nation.
|
|
|
|
|
|
|
Find out why so many students in Florida and nationwide are choosing Southern Tech as their school of choice. Whether you need to upgrade your skills or change careers, we have the right program to fit your needs. Let us show you how to get the skills you need in a short amount of time so that you can get into your career today!
|
|
|
|
|
|
|
Bellevue University, a leader in adult learning, is your best choice. We accept ALL of the credit in your associate's degree - that's EVERY credit in your A.A.S, A.S., A.G.S., and A.A. degree! And, Bellevue University gives you accelerated bachelor's degree completion 100% ONLINE. So, you enroll with your associate's degree, and complete your bachelor's degree in as little as 12 months.
|
|
|
|
|
|
Tags: college students, health care
This entry was posted
on Tuesday, December 23rd, 2008 at 1:28 pm and is filed under Medical and Nursing.
You can follow any responses to this entry through the RSS 2.0 feed.
Responses are currently closed, but you can trackback from your own site.
