Does Your Student Health Insurance Make The Grade
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Does Your Student Health Insurance Make the Grade?
Overview
With more colleges and universities now requiring student health insurance, it's important for students to evaluate their options carefully. Some may find their school's offered plan inadequate or discover they're not eligible for coverage under their parents' plan, especially if the school is outside the network area of an HMO or PPO.
Exploring Alternatives
For many, purchasing a plan specifically designed for college students is a smart choice. Comparing costs and coverage between a college-sponsored plan and other independent policies is essential. Often, a college-sponsored plan may not be the most affordable or comprehensive. An ideal plan should accommodate travel, remain in place if a student transfers schools, and provide year-round coverage that fits within a student's budget.
A Recommended Option
Experts recommend the Student Select plan from Assurant Health. This plan is tailored for college students under 30 and offers permanent, renewable individual medical insurance. Students can keep renewing the policy even after graduation, up to the age of 65.
Since this is not an HMO plan, students have the flexibility to choose their doctors and hospitals without needing referrals or incurring non-network penalties. Payment can be made annually or semiannually, with options to use a credit card or personal check.
Satisfaction and Refunds
If you're not satisfied with the Student Select plan, you have the option to return the contract within 10 days for a full refund. If you cancel after this period, a prorated refund is available as outlined in the contract.
In conclusion, while student health insurance is increasingly mandatory, ensuring that your policy truly meets your needs is crucial. By exploring plans like Student Select, you can find coverage that is both comprehensive and financially viable.
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