Students Insurance

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Some great benefits of On-Campus Students Insurance

One of the benefits offered by many colleges and universities round the country is college students insurance. Here are a few facts about insurance and just how it can be a cost-effective method of making sure your child is receiving top quality medical care.

One of the appealing facts about insurance is that it is usually an inexpensive way to health supplement the existing insurance coverage currently in place for your kid. Students insurance usually carries a certain number of appointments to the car center located directly on grounds. Staffed by competent doctors and nurses, the student care service can treat modest illnesses, proscribe medication, as well as help monitor any kind of ongoing medical condition the student needs to tackle. The presence of on grounds medical care can be a great comfort to both student and parent.

In the event that the student needs to fill any prescription off grounds, many local pharmacies offer discounts below an insurance plan. Below some plans, an easy co-pay is required. In other cases, students insurance will pick up a share of the cost, leaving the student free to file the remainder of the charges along with any outside prescribed plans.

Students insurance programs are usually offered within the registration process. The student can pay one flat fee to cover the term, quarter, or block. The university gives documents which formulate the perimeters of the strategy, including the number of appointments to the on grounds medical facility, any kind of provisions for prescription medicine and a list of the types of ailments that may be handled under the auspices of the plan. The cost is usually negligible, and helps to ensure that the student has access to healthcare care even on weekends.

Investing in pupils insurance is a great way to make sure your child has usage of competent medical care. While it should never be thought of as an alternative to more comprehensive insurance, students insurance is a valuable health supplement to existing coverage. For more details, contact the Admissions office of any college or university your child is thinking of attending. They will be very happy to provide information about insurance plans that are currently offered.

Comments: 20

  1. Adrian July 1, 2013 at 6:21 am Reply

    I’m moving into a house with a few other full time students. We are looking to have a joint policy for contents insurance becasue we are thinking ti will be cheaper than getting individual insurance.
    I’ve founf that endsleigh do not offer a joint policy but was wonderign whether there are any oother student insurance companies that offer joint policies for shared accomodation?

  2. Hal July 10, 2013 at 8:39 pm Reply

    Would like to know which is a better Insurance cover to take for students, while travelling for studies abroad. The Student Insurance in India provide various covers which the US plans dont provide, and the USA Student Medical Insurance plans have coverages which are University Compliant. How do we resolve this.

  3. Shelba September 21, 2013 at 2:05 am Reply

    The primary job of this person is to operate this vehicle (lets say a drivers-ed teacher). The vehicle is owned by the buisness which has the title and insurance on the vehicle. The student pays insurance on the vehicle, but the buisness wants to force the teacher whom they’ve hired to drive the vehicle to get coverage to cover the deductable. Also if the teacher doesn’t purchase it, they will be fired. Is this illegal? Please help me….and if you can give references to laws or statutes one way or the other I would really really really appreciate it.

  4. Cody September 23, 2013 at 6:33 pm Reply

    I cut of my thumb through the second knuckle and am now missing a large portions of my thumb. I didn’t not purchase the student insurance at the beginning of the year because I didn’t think I would need it. Does the school have insurance that offer settlements for things like this even if there is no clear fault. Also if you know I can’t work prob for a few months due to recovery and sugeries does the goverment offer temporary dissability payments or anything of that sort?

  5. Charline September 23, 2013 at 6:33 pm Reply

    I am currently a sophomore in college, and I really hate student insurance, as it covers and pays for almost nothing, and doesn’t include dental. Where do I go if i need to get a different provider?

  6. Esperanza December 23, 2013 at 9:52 am Reply

    I have taken student medical insurance for a year while my course is for 2 years. Is it a pain to get the medical insurance extended for my 2nd year from abroad itself?

  7. Rogelio December 29, 2013 at 8:15 pm Reply

    I am insured by Unicare student insurance. This policy is under my name. Then I am also insured by Unicare through my parents insurance. I had to go to the doctor and had a procedure performed. I used my insurance card and not my parents. Now they are giving me grief about paying the claim. They want to know if I have any other insurance. I do, but I don’t want them to bill my parents insurance. I want the bill to come to me. They have sent me a form and want me to fill it out and sign it. I don’t want my parents to get the bill because they are going to want to know why I went to the doctor and so on. What should I do? Can the insurance provider find out I have other insurance even I if I say no on the form?

  8. Eldora January 14, 2014 at 6:06 am Reply

    I have a student health insurance, which doesn’t cover check up or glasses for my eyes. Of late, I’m finding it difficult to read letters from a distance due to blurred vision. Does anyone know how much would a visit to the eye clinic cost? Do you have any recommendations for clincis in Redmond/ Seattle/ Bellevue areas?

  9. Benedict January 19, 2014 at 10:05 am Reply

    I just sold my sports car due to gas milage and being a struggling college student insurance kind of stunk. I have 6000 (but prefer to spend 3500-5000) on a car. It has to be fuel efficient, reliable (i replaced a transmission in my previous car, and know there will be bills with a used vehicle, but it’d be nice if it had a low maintenance reputation), and under 100k miles. A manual is preferred as well.

    Some cars i’ve looked at

    cobalts 05-08 (although reviews were scattered and claim all types of problems)

    Civics (seem to be overpriced as people ask well over kbb)

    Vw jetta tdis (high high miles.)

    I’m asking if anyone has any suggested years or models to help me out if possible, thanks for your time.
    I forgot to mention slight details. It will need a clean title, and hopefully have decent resale. I don’t plan on keeping this car over 2 years before i give it to my girlfriend.

    thanks again!
    -response to brent.

    Appreciate the response, unfortunately 18mpg is what i previously got. I know crown vics run forever, but they’re boats in their own way.

    I plan on paying off the vehicle in full, and i can do the required tb change at 100/140k every car requires for parts cost in my garage.

    I believe 5-6000 is a very reasonable budget for a basic model car 50-90k miles, i don’t expect a new off the lot vehicle but considering it’s a buyers market i don’t see any reason why i shouldn’t be able to meet my expectations!

    here are some links i picked up just browsing local craigslist. I just need to know what’s the best bang for the buck in terms of pairing fuel economy and reliability. (clean title, i ran the car fax)

  10. Morgan February 2, 2014 at 3:20 am Reply


    Anyone know of a company that will insure a custom built laptop?

  11. Jacque February 2, 2014 at 9:57 am Reply

    Are USA University Student Medical/Health Insurance Policies available to buy in India? Could you provide us with the place where this could be bought? Also, better is there a place where you can compare Indian and USA policies in one place and then buy??

  12. Denis February 19, 2014 at 10:36 am Reply

    One of friend who has opted for overseas studies has bought an ICICI student insurance which provides cover against unexpected medical and non-medical expenses during his study travel abroad. Is it obligatory to buy student insurance for students who pursue higher education abroad.?plz guide me

  13. Lavern February 22, 2014 at 4:25 am Reply

    Does anyone know whether Aetna STUDENT health insurance cover accutane? I don’t know whether regular Aetna and Aetna Student are the same.

    also, for guys who have taken accutane, do we take the ipledge too? if so, how long do we have to wait before taking our first pill?

  14. Charlott February 25, 2014 at 12:12 pm Reply

    what is short term student insurance? does it 100% cover maternity and delivery? what is the best one? i am green card holder. please help! thanx

  15. Rosenda February 25, 2014 at 12:12 pm Reply

    what benefit will they get from it? Why should the city of Quebec make insurances available to students. An example of a story would help.

  16. Kindra February 25, 2014 at 1:12 pm Reply

    I am a college student in Pennsylvania. I really need to get some dental work done because I know I have a cavity or two. I do live at home, but my father does not have any type of insurance. My school also does not provide dental insurance. Are there any sites where I could apply for some insurance? I really need to get some work done but I only have a part time job so I can only afford so much. Thanks so much!

  17. Edison March 11, 2014 at 9:05 pm Reply

    I recently got acceptance from California State University,Fullerton for my master degree and i need to have a health insurace to enroll for classes.
    Medical benefit is at least US 250.000$ per condition
    The medical evacuation benefit is at least 10.000$
    The repatriation benefit is at least 7500$
    What is the cheapest company supplying this conditions for cheap?

  18. Wilburn March 19, 2014 at 2:24 pm Reply

    Our son is going to United Kingdom for his Masters, we have health insurance thru my company but it covers very little over there, should we take out a student health insurance plan on him over there?

  19. Micah April 6, 2014 at 1:01 am Reply

    in one year i will be off of my parents plan, but still at home and working part time and going to school. how do i get student insurance and how much is it?

  20. Scarlett June 3, 2014 at 10:23 am Reply

    Suggestions/advice for college student health insurance plan please?
    Hello, I’m entering my 2nd year of an American college in MA and my school has sent me the option to take up the school’s health insurance plan with the company “Gallagher Koster” (I am allowed to waiver it). It is a “Student Injury and Sickness Insurance Plan underwritten by HPHC Insurance Company, Inc (Harvard Pilgrim Health Care)”. It will cost $1989 annually.

    My question is: should I take up this plan, or look for another one online? Do you have any suggestions? Are there better priced ones out there that are competetive to this one?

    Last year, I opted for this plan and there were no problems, I only ever got a prescription for an eye cream. I am a full-time student, I am not active in sports, outdoorsy, or drive a car. Btw I am an American citizen (not international).

    School plan highlights:

    Highlights of the Coverage and Services offered by Gallagher Koster are:
     Up to a $100,000 per each Injury or Sickness Maximum Benefit for Covered Medical
     $100 deductible Per Insured Person, Per Policy Year for Preferred Providers and $200
    deductible Per Insured Person, Per Policy Year for Out-of-Network providers The
    Preferred Providers for this plan are the HPHC Insurance Company Network in MA,
    ME and NH, and the United Healthcare Options PPO in all other areas.
     Covered Medical Expenses for Preferred Providers are payable at 90% of Preferred
    Allowance and Out-of-Network benefits are payable at 70% of Usual and Customary
    charges (all benefits are subject to satisfaction of the deductible, specific benefit
    limitations, maximums and copays as described in the policy).
     Prescription Drug Benefits: $10 copay for Tier 1 / $25 copay for Tier 2 /$45 copay for
    Tier 3 up to a 31-day supply per prescription. $2000 maximum per policy year.
    Prescriptions must be filled at a UnitedHealthcare Network Pharmacy.
     Coverage available for eligible dependents.
     Scholastic Emergency Services – Domestic Students are covered when 100 miles or
    more away from their campus or home address. International Students are covered
    worldwide except in their home country.

    BTW I FORGOT TO MENTION: I am an American citizen, but my parents are not, so I can’t share a plan with them or anything like that.
    I’m 19 years old.

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