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Student health insurance- Facts you must know

Health insurance, by all means, is a kind of protection that every individual requires. It should not be considered as a buffer only for the sick or the aged. In fact, your college- going son or daughter may need it more than anybody else. So it’s always good to stay prepared. Student health insurance coverage can end when a child turns eighteen or can be a comprehensive benefit which remains within the parents’ plans until the former turns 24. There are several other kinds of plans as well. It is always good to foresee health mishaps before they actually happen and make available adequate coverage to your ward. While opting for student coverage, do not forget rates and other attendant costs vary from state to state.
Good news for parents is that student insurance is given at subsidized rates more often than not. So you may hope to save some money while insuring your child. In case of student health insurance, provider companies meet up with school or college authorities and decide on the rates by taking several factors into consideration. Do note that the price of student health insurance is not the same in every school or college. Besides the basic coverage that almost all colleges offer, your ward may need something extra if he wants to pursue his education somewhere abroad. Insurance for students studying outside their country usually offers worldwide coverage.
When you’re talking of the usual benefits that come along with a student insurance plan, you must remember most have restrictions as far as preventive care is concerned. If you’re willing to pay an extra fee you can hope to get this benefit too. Apart from that office visits are usually taken care of completely. In most cases, though, you’ll need to pay up for special services like x- rays, prescription drugs, lab tests and many more. Other services like mental health care, maternity care, AIDS testing and cholesterol checks are completely covered under most plans. When you’re getting the benefits from the given provider network, coverage would be 100% but if you choose to go outside it with referrals, coverage could dip down to about 70%.
There’s another important thing that every parent must consider while buying student health insurance. All across the United States several insurance companies do not consider pre- existing conditions when underwriting claims. So even if your child has had some serious health condition he or she won’t get coverage for that. It is always good to know about any “blanket disability” factor from beforehand. Before you’ve bought a plan make sure you know the basics about it? Is it a traditional HMO plan or an open access one? While under a traditional HMO plan you can consult doctors only from the provided network, under an open access HMO you can consult others outside the network without referrals.

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