If a person wants to be triumphant, one needs to be absolutely healthy. The security is crucial, provision is health insurance. Do live a healthy life style with health insurance. If you are wondering that how health insurance could help you live a healthy life style? Well, here are a few facts regarding health insurance for college students that are going to guide you through this process.
Why the health insurance?
Few years back, gaining a suitable health insurance at affordable costs was totally an impossible task. If you had a pre-existing condition for any disease then the chances were that disease would be excluded from your health insurance or you wouldn’t be offered any plan of health insurance. But now numerous advancements have occurred in the field of health insurance. Nowadays health insurance is turning into a life saving miracle for many people. Now if by any chance you fall into a grave emergency that takes you to the hospital in the middle of the night then all you have to do is to submit your health insurance number and rest falls between your insurance company and the hospital authorities. Different types of health insurances are available including health insurance for college students, health insurance for employees, health insurance for individuals, health insurance for seniors, etc.
Are you a student seeking health insurance?
Most of the students these days are seeking health insurance due to the fact that this sort of pre-planning helps them cope with their tough financial situations during their emergency. But the main issue with the students is that they tend to seek for that health insurance where they have to pay minimum premium and acquire maximum benefits. Most of the students are covered by the school or college health plan that falls under the law. So if you are worried about your health insurance then you should at first check that whether you are covered by the school health plan or not? If no, then you could also apply for your personal health plan.
All you have to do is to search for the websites of those companies that offer student health policies. Check the customer reviews and apply for the quotes from two or three different companies. If you are searching for a policy with lower premiums then at first you would have to file a tax return no matter how much your income is. If your income is very low then it is also possible that you won’t have to pay the tax return.
Are you under the age of 30?
If as a student you are seeking the health insurance for less than 30 then you could also apply for catastrophic health insurance. Such health plans are also available in health insurance for college students over 26. Catastrophic health insurance is going to help you in the situations where you have to face dire calamities. For instance you have faced a serious road accident due to which you are severely injured then the catastrophic health insurance is going to help you through this tough time of your life. Then there is also the option of Medicaid health insurance that is available for low income or disabled people. And if you are under the age of 26 then you could also get coverage under your parent’s health insurance. That is a greatest benefit for all the kids under the age of 26.
You don’t have to pay any sort of premium or in other words we could also say that you wouldn’t have to bear any sort of health costs until you reach the age of 26. The health insurance of your parents would provide you complete coverage regarding all the consultations, medical check-ups and emergency hospital visits. But the problem is that what would happen after you cross the age of 26?
Health insurance options for students over 26:
Once you cross the age of 26 then the option of getting health coverage under your parent’s health insurance would suddenly expire and then you would have to carefully plan your way through your college life with the help of a reliable health insurance. If you are wondering that at the age of 26, when a person is energetic and young, what’s the need of getting a health insurance? Well, here is the answer that even if you are young and active it doesn’t mean that you can’t face any sort of sudden and serious accident. You could also, by any chance fall terminally ill. There could be a sudden outbreak of any epidemic and you could feel the dire need to have yourself examined by an expert specialist. Here, you should keep in mind that if you ever need to visit the medical consultant available inside your school or college then you may not need to pay anything because those expenses would be covered through your school/college health plan that falls under the law. But if you feel the need to visit a specialist then you need to have a proper health insurance because the costs incurred at the visit to the specialist would not be covered by your college health plan.
Or if by any chance you have to get hospitalized after facing severe accident then you would need a proper health insurance because your college health plan would not be able to cover your hospitalization expenses at any cost. Various plans available in health insurance for college students over 26 would help you cope with above mentioned situations.
Further health insurance options:
If you are over the age of 26 and have been recently excluded from your parent’s health insurance plan then according to the federal and state law you are eligible for a health insurance of 18 months extended period if and only if you pay the complete premiums without any sort of delay. The law that allows you the right of such health insurance is famous by the name of COBRA. If could only be implemented if you were doing a job that also included the health insurance in your job package and you have recently left that job but still you could utilize that health insurance for further 18 months if you pay the premiums without any sort of interruption.
All the above mentioned ideas could provide you extreme benefits but if they sound complicated or if you don’t have enough financial means then at the end you could apply for health insurance for students through the health insurance coverage offered by your state.