Medical Insurance for College Students


August 28, 2007
by Scholarships.com Staff
There are so many things to think about when entering college. Financial aid for
    tuition, 
        room & board and book expenses initially come to mind, but many forget
    another important expense—medical insurance. Before students head off to college,
    they need to seriously consider future medical aid options. Those with a history
    of ailments are likely to explore their options, but so should the poster children
    for health. Unfortunately, a large portion of health-related issues surface during
    adolescence. The fact that college students are frequently stressed out and sleep-deprived
    sure doesn’t make things better.

There are so many things to think about when entering college. Financial aid for tuition, room & board and book expenses initially come to mind, but many forget another important expense—medical insurance. Before students head off to college, they need to seriously consider future medical aid options. Those with a history of ailments are likely to explore their options, but so should the poster children for health. Unfortunately, a large portion of health-related issues surface during adolescence. The fact that college students are frequently stressed out and sleep-deprived sure doesn’t make things better.

Student Insurance Under a Parent Policy

In more ways than one, students who enter college are better off than those who finish school at 18. Those who are considered dependents under the health insurance plans of parents are frequently given the boot on their eighteenth birthday - a not-so-nice way to be welcomed into the adult world. Those who head off to college, however, continue to be dependents under their parents’ plan for a few more years (usually until they turn 23 or 25). This typically applies to full-time students only. Those who are enrolled part-time may be ineligible or forced to hand over additional cash.

Student Insurance Under a College Policy

Schools typically offer their own college insurance plans for those who choose to take advantage of them. Oftentimes, students are automatically charged for this service unless they let schools know they are uninterested. Some states require entering students to be medically ensured. If that is the case, students who choose to reject school offers must show proof of alternative coverage. The costs of college insurance vary greatly, but they are frequently less expensive than private options. This tends to come at the expense of quality.

Graduate Student Insurance

You may have noticed that full-time students can retain a parent plan until they turn a certain age—a few states extended the eligibility age to 30. More often, however, students may be cast aside during their low and mid twenties. According to a Commonwealth Fund report, about 30 percent of the nation's estimated 44.4 million people without health insurance are 19-29 years old. This makes them the largest group of newly uninsured. Graduates students with no income and plenty of expenditures are not pleased. Schools do take graduate school students into consideration, but they do so at a cost. For example, the University of Illinois Champaign insurance policy for the 2007-2008 year is $180 for undergraduates; graduates have to pay $256. College students do have options, but they need to be prepared.

When putting aside college funds, expect the unexpected. Scrapping together additional 529 plan money and applying for a few more scholarships may be in order.

College is expensive, Scholarships.com is completely free. Pay for your college education with as much free college scholarship money as possible. By applying to all the awards you qualify for, you can be sure to not miss a single opportunity in paying for your college expenses - including tuition, fees, room and board. Get matched to college scholarships instantly and start applying today by conducting a free college scholarship search at Scholarships.com.

Posted Under : College Costs , College Life

Discuss

Share your thoughts and perhaps thousands of students will benefit from your unique insight on the subject!



If you can read this, don't touch the following fields


 
It's okay to be white signs were scattered on college campuses across the country, as well as in Canada over the past week. Reportedly, the signs were first suggested on an online chat forum called 4chan, calling on people to place posters in their area on Halloween night. At Harvard Law School, at least 20 handmade stickers with the message It's ok to be white were posted on light poles and electrical boxes. Harvard Law's Dean of Students Marcia Sells condemned the posters, stating the posters and stickers are intended to divide us from one another and that HLS will not let that happen here. The Department of Public Works removed the stickers shortly thereafter. Even after they had been removed, the message continued to circulate via social media through hashtags and videos, gaining both condemnation and support.

"OK to Be White" Signs a "Sign of the Times"?

November 7, 2017 11:47 AM
by Susan Dutca
"It's okay to be white" signs were scattered on college campuses across the country, as well as in Canada over the past week. Reportedly, the signs were first suggested on an online chat forum called
Halloween Day hadn't even officially arrived and college students (and even faculty) sparked outrage over their offensive and racially derogatory costumes. One of the images that went viral over the weekend was that of a police officer from the University of Nevada at Reno, who was dressed as former Quarterback Colin Kaepernick - allegedly in blackface and wearing a sign that read Will Stand for Food.

Colleges Investigating Offensive Halloween Costumes

October 31, 2017 11:09 AM
by Susan Dutca
Halloween Day hadn't even officially arrived and college students (and even faculty) sparked outrage over their offensive and "racially derogatory" costumes. One of the images that went viral over
First-time community college students in California may be able to get a discounted, or even free college education thanks to a new California College Promise law. The point of the program is to create the environment and alignment that will help students finish college.

Community College Comp'd in California?

October 17, 2017 9:12 AM
by Susan Dutca
First-time community college students in California may be able to get a discounted, or even free college education thanks to a new "California College Promise" law. The point of the program is to

    Students and families who use Scholarships.com as their one-stop shop for free college and financial aid information and opportunities is the reason why we are thankful. As a way of saying thanks, we’ve come up with a way for you the squash student loan debt with these November Scholarships. For even more scholarships in November, click here.

Gobble Up these November Scholarships

October 6, 2017 12:02 PM
by Susan Dutca
Students and families who use Scholarships.com as their one-stop shop for free college and financial aid information and opportunities is the reason why we are thankful. As a way of saying
Warren Wilson College, a school known for attracting liberal students, is seeking to recruit conservative students in effort to broaden [their] appeal to those with all kinds of worldviews. Other college and university leaders claim that the 2016 election serves as inspiration for this initiative and they are also fearful that their institutions are disconnected from conservatives who make up a majority in much of the country.

Liberal School Seeking to Recruit Conservative Students

October 3, 2017 11:17 AM
by Susan Dutca
Warren Wilson College, a school known for attracting liberal students, is seeking to recruit conservative students in effort to "broaden [their] appeal to those with all kinds of worldviews." Other