The health insurance coverage that universities and colleges offer students may not be comprehensive and students could even end up paying more for limited benefits. To bridge this gap, health insurance companies offer affordable Ohio individual health insurance for students. If you have just graduated from high school and are looking to join a university or college, your best option would be to discuss your health plan options with an informed insurance broker.
Health Insurance Options for Students
However healthy you are, going without insurance is unwise. So don’t lose time in checking out the options that are available to you and choosing the right one.
• Stay on your parents’ plan: Federal healthcare reform allows that children are allowed to remain on their parents’ insurance plan until age 26, regardless of whether they are in school or not. However, note that some medical insurance plans would not cover you if you are enrolled in an educational institution outside your state.
• Enroll in your school’s plan: Most colleges and universities tie up with health insurance providers to offer student limited health plans. One important point to note about such plans is that they would cover you only as long as you are on the campus. For instance, if you are on holiday and meet with an accident, your school-sponsored plan probably will not offer coverage.
• Purchase private individual health insurance: To overcome the issues you would face by staying on your parents’ or school’s health insurance plan, you could purchase an individual health plan from a leading health insurance company. A private health insurance broker can provide valuable advice on purchasing comprehensive and affordable coverage.
Purchasing Private Individual Health Insurance – Student Benefits
When you buy a private health insurance plan to cover your needs, you stand to gain in the following ways:
• You are covered wherever you go. This overcomes the limited coverage issues posed by staying on your parents’ plan or enrolling in your school’s plan
• You get round-the-year coverage, not just during the school year.
• You get an affordable and all-inclusive plan. Your school health plan may be expensive and yet not cover many of the services you may need. Private health insurance companies offer individual health insurance plans for students that offer you comprehensive coverage, including prescriptions.
• Regardless of whether you stay on the campus, go to school part-time or half way through the year, you would be covered in private health insurance plan bought in consultation with a professional agency.
• Coverage starts immediately with a private Ohio student health insurance plan
Make the Right Decision
With all these options to choose from, you need to make the right decision. Contacting a reliable independent health insurance broker can help. You get professional assistance to check out, compare the various Ohio individual health insurance plans for students and purchase an affordable plan.
