Student Health Insurance

When students head off to college, health insurance is probably the last thing on their minds. But your health isn't something to be ignored. Poor health can significantly impact your academic performance and diminish your enjoyment of college life. Why pay those high tuition fees if you can't perform at your best? We can help you find the best low cost student health insurance.

Cheapest Student Health Insurance

When choosing a student health insurance plan, there are a number of things you need to consider. While cost is very important, be careful about simply choosing the cheapest student health insurance plan without considering whether it is adequate for your needs.

Use our easy step-by-step guide below to help you find the best policy for your needs.

How to Find the Best Student Health Insurance Plan

In order to make an educated decision:

1. Understand your college's minimum health insurance requirements, if any. Most major four-year colleges and universities have medical insurance requirements for full-time students, so before you buy, make sure the policy provides sufficient coverage to meet the minimum requirements.

2. Determine if you are still covered under your family plan. Most family medical plans cover children until they reach at least 20 years of age, and some may even apply up to 25 years of age, regardless of whether or not you live at home. However, be aware that if you are attending a college far from home, accessing an in-network provider may be difficult.

3. Determine if your college or university offers any type of health insurance plan. Many colleges and universities offer low-cost health insurance for students, and some even have excellent health care facilities. If a plan is available, what level of coverage does it provide? What medical providers can be used? Is there an option to convert the policy into a permanent health plan after you graduate? You want to know the answers to these questions so you can compare the plan to quotes from independent providers.

4. Obtain student health insurance quotes from independent providers. Even if student health insurance is available through your college, it is still worthwhile considering other options. An independent policy may be cheaper, and one of the biggest advantages to obtaining a student plan through a private provider is the ability to use off-campus medical facilities and doctors. We can help you get a head start on this right here. Enter your zip code above to compare free, no-obligation student health insurance quotes. By shopping around you'll know you've got the best rate.

Final-Year Students and Recent Graduates

If you're in your final year and you already have a job lined up, consider a short-term medical plan until coverage with your new employer commences. Similarly, if you have recently graduated but haven't yet started working, or are still in group plan waiting period, short-term medical is an ideal solution for interim coverage. Short-term medical is a temporary health insurance plan that offers coverage for 30 to 365 days (in some states the maximum period may be less than 365 days).

Short-term medical plans can be low-cost, but be wary. Because a shot-term plan is temporary, the insurance company may not continue your coverage after your policy expires if you have developed a major health condition. But, if you already know you will be covered by a group plan in the future, this type of temporary coverage may be the cheapest alternative.