College Health Care Plan For Your Kid?

College Health Care Plan For Your Kid?

For most people when they graduate from high school they will be attending a trade school or a four year university. However, most at age twenty will not be covered under their parent’s existing health coverage anymore. This is especially true if they don’t have a part time job that would at least offer coverage. For those attending university they will usually discover that the school offers some form of insurance for their students. In a lot of cases it may not be totally comprehensive but it should at least cover the basics.

The advantage of getting insurance from the university is that it will usually be offered at a very reasonable price. This is because of the group rate they have of course negotiated for the student body at large. You can also expect that the hospitals located nearest the school are included in the plan. This is not a necessity of course so you may want to look into the plan and see if that is indeed there. This can give you extra peace of mind. Especially if your student is attending school far away.

Of course college health care plans are going to differ from college to college. This is due to local laws, student size and other factors that can influence price and coverage. Even though most students think that college provided medical services are free. This isn’t always the case especially if any type of special lab test need to be performed and things like wound treatment, prescriptions and x-rays are usually not covered. You are especially at risk for paying high medical costs if you are referred to an outside doctor. So make sure you take a look at the fine print of the coverage for any noticeable gaps that can be resolved.