Notes

Health Insurance Plans for Students
Health care insurance is really a necessity today. Most educational institutions in the United States require students to be covered for healthcare. Surveys reveal that nearly 30 % of students in america don't have healthcare insurance, and ask their parents for financial help when in need. These students are most likely to drop their studies for financial reasons, as they have to work to pay off their dues of healthcare expenses.

Many students find it difficult to meet the costs of healthcare insurance, because it will not come cheap. However, it is advantageous for students to have this medical care insurance.

Although there are lots of plans offering student health insurance, they can be categorized into three basic types: parent's health care plan, college health insurance plan, and the commercial health insurance plan. Each of the mentioned plans has their very own advantages and disadvantages.

Under the parent's healthcare plan, a college student might not be covered, after a certain age. If this is the case, extra coverage called COBRA has to be obtained, which is not necessarily cheaper than purchasing a different plan altogether. Moreover, it might be a pre-requisite that the student must have at least 'x' amount of college credit hours to be eligible for the coverage.

The college plan can offer coverage through HMO (Health Maintenance Organization), or PPO (Preferred Provider Organization). These are group plans and generally cheaper than commercial health plans. However, the coverage offered could be limited. Other options would need to be explored for coverage that's more comprehensive. The faculty plan is preferable if you find an 'on campus' hospital. Almost all of the college plans cover all accident or health care expenses, subject to the problem that the student continues to be registered with the faculty for a specific duration.

Many companies sell commercial medical health insurance. The terms may differ widely, hence, it might be essential to buy a plan offering facilities that one finds suitable. The most effective way would be to create a list of the features which are important, and then obtain the details for different plans from various companies, and compare them to choose which plan is the foremost one.

Under the commercial health plan, t here is the temporary student health insurance, which is meant for students staying away from home. It could be availed for periods of thirty days, to six or a year. In line with the temporary plan, the student will get a health care provider or hospital of his choice by firmly taking an Indemnity Plan. Alternatively, they might take the Managed Care Plan, which allows either doctors and hospitals which are in the plan's network. The Managed Care Plan has lower premiums compared to the Indemnity Plan.

Most states in america have legal stipulations, which require compulsory medical care insurance for foreign students, and set a minimum amount that needs to be available for emergency evacuation, treatment and repatriation of remains, if required. International student medical care insurance costs approximately six to seven-hundred dollars per annum.

In view of emergencies requiring medical attention, it is essential for students to be covered under health care insurance. It is a precondition for registration generally in most educational institutions in the US. Many states have laws that make it compulsory for foreign students to be covered by medical care insurance.

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