students. College and university students come in all shapes and
sizes, meaning, while one student may have his or her parents'
health insurance plan to fall back on, another student may not.
While one student may be able to use his or her spouses' health
insurance policy, another student may not be married. In other
words, each student has his or her own situation, but one fact
remains universal: all students need low cost health insurance.
Thanks to some colleges and universities, getting low cost
student health insurance isn't a problem. There are colleges and
universities that offer affordable health care to their
students. If your college or university offers health care
benefits, there is certain further information you need – aside
from the cost – to determine whether or not the health care is
actually low cost.
Ask the following questions:
1. What medical services are offered? Does the health care plan
cover only colds and flu cases, or can you receive treatment for
other health issues?
2. Are pre-existing health conditions covered? If you have a
pre-existing health condition, you may need to seek health care
for that condition elsewhere.
3. Am I required to seek care from a specific medical
professional? Many colleges and universities have a few, or
several, doctors they contract to provide students with medical
attention. Find out who these doctors are and whether or not
you're comfortable seeing them.
4. Are prescription medications covered? Whether you are
currently taking prescription medications, or may be prescribed
medication upon a future visit to the doctor, could mean
additional money out of your pocket if the student health care
plan doesn't cover medicine.
5. What happens if I need to visit the emergency room? We all
know that health problems can arise out of no where, and we all
know that emergency room visits can be expensive.
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