Most colleges and universities offer their own health insurance plans for students, and some even make it mandatory that you purchase health coverage through them. Students and more specifically the parents of students should make sure they understand the provision related to such policies since they vary so widely from school to school.
Some university health plans limit the health care benefits that students can reap from the policies, thus making serious injuries or illness still costly expenses for students and their parents even if they are covered. It is not uncommon for doctor visits, prescription drugs or even hospital stays be limited. In addition, maximum benefits per incident can be limited to $2,500, which can evaporate very quickly.
While limited health coverage is better than no coverage at all, there may be better student health insurance plans out there from private health insurance companies, and students and the parents of students should familiarize themselves with their schools health plan before they enroll, and shop for other alternatives if the benefits will be insufficient.
Some university health plans limit the health care benefits that students can reap from the policies, thus making serious injuries or illness still costly expenses for students and their parents even if they are covered. It is not uncommon for doctor visits, prescription drugs or even hospital stays be limited. In addition, maximum benefits per incident can be limited to $2,500, which can evaporate very quickly.
While limited health coverage is better than no coverage at all, there may be better student health insurance plans out there from private health insurance companies, and students and the parents of students should familiarize themselves with their schools health plan before they enroll, and shop for other alternatives if the benefits will be insufficient.