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Student Health Insurance |
Your Needs Are Unique. So Are Our Health Insurance Plans!
Call us today at 800-533-1444 or click the Red "Get A Quote" button!
| Companies We Currently Recommend | ||
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| Authorized Agent for the following carriers: | ||
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Anthem Blue Cross - Tonik |  |
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Humana | |
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Assurant Health Time Insurance |
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Whew!
Since September 23, 2010 Health Care Reform (The Patient Protection Affordable Care Act, or PPACA) mandates that dependents can stay on their parent's group or individual plan until the month of their 26th birthday.
You do not have to be a full-time student, be living with your parents, or be financially dependent. In fact, you can even be married and still qualify on your parent's plan! This is very advantageous if you have any health issues that would prevent you from qualifying for your own individual coverage.
If you are healthy, however, you will often find that an individual policy may actually cost less than going on your parent's plan. So check with us and we can help you strategize!
You have to get something!
Some schools require students to show proof of their own insurance or else you will be forced to buy the school's official plan. Even if your school does not require you to get insurance, the premiums are so low, that it simply does not make sense to be without it—because the unexpected happens everyday. Someone falls down the stairs, gets injured in a car accident, or develops a sudden illness. In a single moment, your world can change. These unexpected illnesses or injuries can be startling...so can the medical bills.
Read the fine print...
School health plans may sound cheap but often that's because frequently there is a rather low limit on the maximum amount of coverage for various items. Also, most school sponsored plans terminate as soon as you are no longer a full-time student! Watch out and make sure you compare apples to apples and not just the bottom line. Contact us for an analysis.
After the diploma?
Unlike school plans, our plans do not terminate upon graduation or if you drop out of school. Imagine the financial nightmare you would be in if you got seriously ill or had a bad accident—bad enough to drop out of college. In this situation, your college health plan would end—leaving you without any health insurance right when you need it most. Our plans, on the other hand, would stay in force regardless of whether you are in school or not—and will keep paying your medical expenses even after you leave college!
Tailored to fit you
Generally, students are young and healthy but money is tight. The last thing you need is health insurance, right? Wrong. Students are very physically active people and may be involved in sports or outdoor activities where the risk of an accident is high. So odds are that your medical claims will be for accidents and injuries, and yet you also need financial protection for any catastrophic illness. While we have many plans to show you, we have picked out six that work especially well for students. See how the "combo" strategy can help you!
The Combo Strategy
We have discovered a very cost effective way to target the best coverage for students! First, buy a regular medical insurance plan, but keep it inexpensive by choosing a high deductible. Then, purchase a separate plan, good only for injuries and accidents, which has a low deductible of $100 that is also inexpensive. The combination gives you a one-two punch that plays the best odds for young, healthy students—immediate coverage for accidents, but protection from financial ruin in case of a serious illness. What's really cool about this combo strategy is that the money the accident supplement is paying under the accident portion is also being credited toward the deductible on your primary insurance policy! You could literally end up paying only $100 on a $30,000 bill, depending on how the plans are set up! So, what is covered by the separate accident plan? Here are just a few examples: car or bicycle accident; skiing; mountain climbing; sport injuries; slip and fall on an icy sidewalk; stitches; broken bones; dog bites, snake bites, and many more.