Temporary Student Health Insurance
September 3, 2008 by Be Safe Insure
Filed under Health
Temporary student health insurance policy is designed specially to cover illnesses for students studying away from home. Temporary student health insurance gives a student short-term medical insurance coverage, should it be needed to pay for unforeseen illnesses and injuries.
The need of a student health plan is very important because while many health insurance plans cover full-time college students who are on their parent’s plans, many more limit that coverage to local doctors only. And some parent’s health plans include children only up to a certain age, which can exclude college-age students.
Temporary student health insurance is simple, affordable and easy to acquire. College students under the age of 30 can use this plan and the coverage is available from 30 days to 6 or 12 months. The students have the opportunity to find their own doctor or hospital.
Today, there are two basic types of temporary health insurance plans – the Indemnity Plan and the Managed Care Plan with their variants. The Indemnity Plan gives a person the freedom of selecting any doctor or hospital; however, this freedom usually has high out-of-pocket costs. The Managed Care Plans, which are more restrictive, need a person to choose medical professionals and institutions that are part of the plan’s “”network.”" The cost for this insurance type is normally lower than the Indemnity Plans.
Now, a growing trend is seen in colleges and universities to require health insurance for all enrolled students. With extremely affordable rates, the institutions offer their own temporary student health insurance plans, or one through a local insurance source. Most college plans cover any health or accident related expenses as long as the students maintain a certain period as a registered scholar.
A temporary student health insurance plan, however, usually does not cover pre-existing conditions incurred for the first 12 months, maternity, outpatient prescription drugs, mental illness or substance abuse, routine physical exams, and intercollegiate sports injuries.
By Jimmy Sturo
e-TemporaryHealthInsurance.com
