Checklist For A Good College Health Insurance Program
If you're about to embark on your four-year college program (or even if you're headed off to graduate school) the first thing you'll probably receive is your bill. Among the tuition and fees associated with your college, you'll find a minor line-item that appears at the bottom of your bill: It's the health insurance coverage, which is usually mandated by your degree program before you enroll.
The health plan offered by your school adheres to certain standards from the American College Health Association. These 10 standards ensure that student health programs are on-par – or even better, in some cases – than private and commercial health care plans.
Private health insurance: Alternative to college health insurance
Still, despite the quality of the coverage and the high standards of college health insurance, many students find it more cost-effective to go with a private health plan. Students waive their obligation to pay for college health coverage by submitting proof of current private insurance coverage. In fact, some colleges, according to NPR, won't accept such proof and will require that students pay the health fees in order to attend the school.
Unfortunately, you may be in for a big surprise if you weren't aware of this added cost. NPR states that, "in some cases, parents of college-age students are paying double the cost of health insurance for their children."
However, if you're a college student, and you feel that the health fees are too high for your own budget, you always have an alternative: A lower-cost private health insurance plan. The benefit of private health insurance obtained separate from your school is its flexibility. Most schools only offer one, standardized plan in exchange for the fees; however, private health insurance allows you to tailor the plan to your own needs. Additionally, the fact that you're a young student means the costs of coverage will be much, much lower than what your parents may pay for health insurance coverage.
So what are you waiting for? Start comparing today to see if you can lower your costs of health coverage while in college. All you have to do is submit a free request for a College health insurance program, right here!