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Parent’s Health Cover versus College Sponsored Cover For Student Health Insurance

There are various choices and options for the student health cover in the United States.   The top three choices are the parents health plans, college-sponsored student cover and the commercial student health insurance cover. Each of these options has its won pros as well as cons.  You are advised to review these health insurance cover options so that you can easily choose the best cover the offers adequate protection for you as the student.

HealthInsuranceParent’s Health Plans

If your parent is employed, as a student you will also be covered and his/her insurance cover. Note however that this cover is limited; it may terminate upon attaining particular age. It may also not cover some types of injuries.  The cover for the children terminates on the last day of that month in which child turns 18 years. The only exception is when one turns 18 years while still enrolled for studies at certain university or college.  Most health insurance companies require the verification by the parent that their child or children   who are aged 18 years or older are still full time students so that the parent’s cover can be extended to cover that student.

The  parents health plan cover  can be  undertaken simultaneously  with  the college-sponsored  health plan so long as  these two do not overlap  with  an existing commercial  health  insurance cover.  Moist of the parents health plans on the students do not provide cover for those injuries which are sustained from the participation in the college tournaments.

Even after  the changing  of  the health  insurance plans,  the students  can still  continue  being covered  under the Health Savings Account ( HSA) or  the Flexible Spending  Account (FSA)  of the parent.  This is so because the eligibility to the HSA or FSA is mainly based on the dependency of the parent for the purposes of filing the tax pendent are deemed to be out-of-pocket expenses of the parent.

College-sponsored Health Plan

Most universities and colleges in the United States offer HMO-styled or managed-care health plans for their students.  These healthcare policies are based on the service that is contracted with the local providers of healthcare.  These health insurance plans make the access of healthcare by the students very easy.  This coverage is generally at the start of every semester and it terminates once the student completes studies and graduates from the college.

The college sponsored heath plans provide limited cover for medical conditions which wee already in existence before the purchase of the policy.   Most policies of this nature also exclude the coverage of prescription drugs, OTC drugs, eye care, dental, mental health, weight loss treatments and maternity delivery costs.   If as student you have a pre existing condition you need to seek proper information from the insurance company.  You can request for health quotes from different providers of student healthcare insurance cover and then compare the rates so that you can choose the best.