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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.

Commercial Student Health Insurance – Why It Is The Best

The commercial health insurance cover, according to most insurance experts is the best cover the students.  Most policies of this nature   provide adequate coverage all over the United States with any provider of healthcare services.  It is important to note that the medical care cost in these facilities may in most cases be more as compared to the cost of the services that are offered the health service clinic college. Some student programs and other schools may require the proof of coverage by this policy during the admission process.

Some policies of this nature may cover only the medical expenses that are incurred for the treatments received within the United States.  Some other policies may cover the expenses of the treatments that are incurred outside United States.  Insurance industry experts advise that it is cheaper and wiser to acquire a different or additional policy for the period in which you will be outside the United States instead of acquiring the individual health insurance that covers medical expenses both within and outside the US.  For example, a student health insurance policy which covers health care for one week while in Mexico may cost about $20 and you can very easily get it online.  This is cheaper as compared to acquiring policy that covers medical expenses within and outside US which may attract quite high premiums.

The commercial student health insurance works best in the covering of the risks of the huge medical expenses in order to save the cost of the premiums by making the choice of high deductible.  The most preferred and recommended choice for the US students is the $2500 deductible which translates in to $60 per month…this is affordable to most U.S. students.

When you are choosing this type of student health insurance cover you need to think in the short term.  The medical insurance for the short term is in most cases the better choice for the coverage needed for period less than 3 years.  The issuance of the short tem policies issued month after the other up to the 36th month.  The consecutive policies are generally allowed in the system.  For example, the student can take policy of 115 days while studying at the college and afterwards revert to the policy of the parent when he/she returns home for the summer holidays.

The flexible periods of coverage are designed to suit the schedules of the students.  The medical insurance cover in the short tem generally offers greater and high benefits than the insurance plans which are generally referred to as the student health insurance.  The short term policy is capable of saving the student by up to about 35% of the general cost of the policy in the long term.

If you want to acquire this form of insurance cover, we are ready to help you; simply enter your state Zip code at the top of this page. We will off you free quotes which you can compare the rates and then choose the best.

Vital student health insurance tips

While it is generally recommended and advised that you need to acquire student health insurance while you are studying in the United States, there is no need or point of doing so if you are already covered.  If you are a student at certain college and you are aged 31 years old or younger, you may already covered by your parents insurance policy.  You may also still be covered even if you are not enrolled for studies in the college depending on the rules in force within your state.

To find out whether you really need to buy healthcare insurance policy, you need to conduct proper research about the health care rules of the policy of your parent. You may need to liaise with the Department of Insurance in your state.  Depending on the guidelines in your state, the coverage can automatically terminate after attaining particular age between 18 and 31 years.  You can get the real information about this issue by the calling of   the Department of Insurance at your state or by visiting its website.

When you are researching, you need to pay special attention to the condition whether these rules are compulsory or they are left upon the insurance companies  to decide.   The wording of the respective   statutes in your state matters very much in this aspect. If the Act uses terminologies such as “required”, the insurance companies may be compulsorily required to follow the provisions of that law.  However, if the wording of the statute is allowed, it means the insurance company may or many not follow the law.

Anything that is not expressly provided for in the insurance statutes may be resolved through the common law provisions on the matter or by having regard to the intent and spirit of the law.  For example, if the law is silent about the status of the insurance coverage when you are on holiday out of the campus, then that is left to the insurance companies to decide and the approach of the issue may vary from one insurance company  to the other.

In some few US states, there are some rules which allow the parents to continue keeping their children as dependants and thus covering them under their insurance cover for various ages beyond the traditional 18. Some states allow the coverage to extent up to the age of 31.

Before you purchase the insurance policy you need to know something about the Michelle’s law. This law is to the effect that the students undertaking full time college studies are covered by the health insurance plan of their parent and the cover will extend for period of 12months while  absent from the school because of medical leave.  This law is in force in all the US states but the absence leave should be reasonable and must be certified by registered doctor or other medical practitioner.

Do you want to acquire the right cover at the best rates? Just take some few seconds and enter your zip code at the top of this page then compare the various FREE health quotes and make great savings!!!

What You Must Know About Student Health Insurance

There are various options and choices of the student’s insurance cover in the United States.  The popular choices are the cover from your parent’s insurance policy by virtue of being his/her dependant, the college-based insurance cover for the students and the commercial health insurance cover.  The first two options provide some limited form of coverage depending on your age and some other factors such as pre-existing conditions.

While the commercial health insurance cover is generally good, it has the disadvantage that it is not suitable for those with pre-existing conditions. Its greatest advantage on the other hand is that it offers continuity of coverage after completing campus based studies until its scheduled expiry or after attaining 65 years.

The terms of the policy cover from the different insurance companies vary.  It is highly recommended that you seek proper advice and information on the cover that you need to buy.  There is no need of incurring additional costs of paying premiums for example for the commercial health insurance cover if for example you are covered by the policy of your parent.

The healthcare insurance policy can be purchased directly from the insurance company or you can purchase it through an insurance agent. There are two types of insurance agents namely the captive and in the independent agents. The captive agents sell health care insurance policies for particular company.  The independent agents on the other hand sell insurance policies for various different companies.

You should avoid   buying policy through captive agent since it will offer you only the policy options of one insurance company. The independent agent on the other hand will offer several options from different insurance companies.  What you need to note is that you will not incur any further additional costs if you buy student cover through insurance agent despite the fact you will immensely benefit from their expert insurance advice.

Before you take any steps to buy the insurance policy, you should ensure that you are not covered under your parent’s policy. If you are very sure that you are not covered, you should than take the right step forward towards acquiring the right cover. You need to consider those options which are available at your university or college.

Various insurance companies have undertaken some great steps in offering policy covers that are tailor made for the students. You are advised to research and consult widely if you want to get the best deal.  You always need to balance between the need of saving and getting adequate cover. Do not focus very much on acquiring the cheapest policy such that you end up acquiring inadequate cover during your study at the college.

If you want to acquire the best student cover the most affordable rates in your state, we have made it easier for you; just enter your sate Zip code at the top of this page and we will offer you with ABSOLUTELY FREE health quotes so that your simple duty will be choosing the best.

Popular Frequently Asked Questions About Individual & Family Health Insurance

What are the family & individual health insurance plans?

The family & individual health insurance plans are provided by the health insurers so that individuals can buy their own insurance cover for their health as well as that of their families.  The goal of every government is to have every person covered by health insurance.  The treatment of most ailments is costly and you cannot know when you are going to get sick.  Most governments around the world including the United States require the working individuals to buy out compulsory health insurance.

The premiums on health insurance are generally low and affordable to most Americans.  The family health insurance offers wide coverage including that of your dependants such as parents, children and spouse. There is no single reason why you should not be covered by this vital insurance.

What are the choices and options for the family & individual health insurance plans?

There are two major types of the family & individual health insurance plans namely the indemnity and the managed-care plans.  There are some slight differences in these two types of healthcare insurance plans.  One of the greatest differences of the two is costs. This is so because different insurers have different ways of billing their plans.  In most of the cases, indemnity plan has more providers than the indemnity plan.  However, regarding the indemnity plan, the provider of healthcare insurance will pay for only the medical coverage after receiving you claims. There may in this instance be charges that you are initially required to pay.  You will then afterwards be required to receive the reimbursement of the charges that you have paid.

If you choose the managed healthcare plan you also need to note that it is of several types. PPO, POS and HMOS are generally termed as managed healthcare plans which require the use of network of your healthcare insurance provider.  Within these plans, the services which can be received have prices that are pre-determined. The network will submit   the bills on your behalf to the health care insurance company.  This means that there will be few upfront cots that you are required to pay although there will be limitation of want providers you are capable of seeing.

What are PPO plans?

PPO stands for Preferred Provider Organization.  In this plan, the insurer provides you with the information about the network of hospitals and doctors that it prefers.  If your hospital or doctor is included in the network, you are entitled to some discounts on your premiums.

What are HMO health plans?

HMO stands for Health Maintenance Organization and it refers to individual health plan whereby available hospitals and doctors are exchanged at lower costs.  With HMO, you will pay lees premiums but you will have fewer choices of hospitals and doctors for treatment.

What are POS plans?

POS stands for Point Of Service.  It is basically a hybrid of PPO and HMO plans

We have the latest information about the health insurance prices in all the 50 states. To get the best quotes simply enter your state zip code at the top of this page.

Frequently Asked Questions about Individual & Family Health Insurance in US

Can the insurer cancel my insurance cover if I get sick?

One of the purposes of initiating the recent health care reforms is to regulate the health insurance and address the injustices that some insurers do to their customers.  For the policies that were issued or renewed on/after the September 23, 2010, this new law prohibits the insurers from canceling insurance coverage after the insured has been diagnosed with illness. The only exception is if that insurance policy was acquired through misrepresentation or fraud.

Under the new law, what am I required to do if the health insurer cancels my insurance coverage?

FamilyHealthInsuranceUnder the new law, if the insurance company retroactively  cancels  or rescinds  your health insurance cover,  that insurance company is required to provide an advanced notice to you (the insured) of its intention of doing so. The health insurance company can only cancel the policy if you have committed fraud or you have made misrepresentation of vital fact intentionally.  If the insurer notifies you of its intention of canceling your cover while you have not committed the offence of misrepresentation or fraud, you can file complaint against it to the insurance regulatory authorities.

For the singles, without children and who earn under $10,000 per annum, what choices of insurance cover will be available for them?

From January 2014, the single adult persons who earn annual salaries ranging from $10, 830 to $14,400 are offered the option of choosing to purchase the health insurance coverage through exchange or to enroll in Medical Assistance.  The exchanges under the new law are marketplaces in the insurance sector which offer various federal subsidies.  The person earning under $10, 830 per annum can enroll in the Medical Assistance but they are not entitled to the federal subsidies of the exchanges.

When can a 21-year old child be legally added in to the adult heath insurance plan under the new law?

For the health insurance cover plans entered in to on or after the September 23, 2010, the provisions of the Affordable Care Act are to the effect that employers and insurance companies that are engaged in the business of providing dependent coverage should make the coverage to be available to the adult children of the persons who are already enrolled in to the insurance health care plan until the 26th birthday of those adult children.  You can enroll the adult child in the group coverage within the short period of open enrollment after the effective date.   The effective date for the individual policies is the first day of calendar year or the annual renewal date.

What should one do if his/her child is beyond the age limit of the employer-based policy?

For the health insurance cover plans beginning  the September 23, 2010 or after  that date,  the young adults  who have aged off the policies of their parents  and who thus lack  the coverage through  the employer  can be placed back  in to the policy of the parent  during the subsequent period of enrollment.

To get the best health quotes, simply enter your state zip code at the top of this page.

FAQS about family and individual health insurance in Pennsylvania

I am a Pennsylvanian, I direly need health insurance bit I cannot afford it. How ill the health care reform laws help me?

Under the new healthcare reform laws, some individuals may qualify for subsidy that will help them in paying the premium cost of the health insurance claims.  Beginning the 2014 and depending on the level of your income, you   may get tax credit as a subsidy n to help you in the paying of your health insurance.

If at the present I do not have health insurance, is it compulsory to buy it now?

AffordableHealthInsuranceFor the proposed healthcare reform laws to work, the costumers are required to buy health insurance cover.  The health insurance prices    may vary from one insurer to the other. You should request for quotes from various insurers so as to compare and then choose the affordable. In your choice of the preferred health insurer, you should also buy your health cover from insurer that has profile of prompt settlement of claims.

I am a Pennsylvanian and I do not have health insurance cover because of pre-existing condition.  How will the healthcare reforms help me?

If you are in the scenario whereby you cannot acquire health insurance cover because of pre-existing health condition you can take advantage of the Pennsylvania Fair care.  The PA Fair Care is the health plan in the state of Pennsylvania for the adults who are not insured because of their pre existing conditions.   Although this  PA health care plan  is  temporal, it offers the  transitional  coverage of insurance  until such time  when  the wider  insurance  coverage provisions  of the  federal health care reform laws  take effect  in January 2014.  At the present, the health insurance premiums are pegged at average cost of the private coverage in the Pennsylvania state market.   Although it may not cover every person, the PA Fair Care is a good start towards the health care coverage for all Pennsylvanians and to great extent all the Americans.

Now that I have health insurance cover, will the insurance premiums change as from January 2014?

It is not very clear whether the insurance costs of every person will change.  What is expected is that the healthier Americans may end up paying more premiums on their policies while those with poor people may end up paying lesser premiums.  Once the new law takes effect, the American health insurance companies will not be allowed to charge the older people premiums that are three times more than those charged the paying persons.

Will health insurance policies still have the annual coverage limit or life time cap?

The proposed health care reforms will make major important changes in American health insurance system. Under the new law, all the lifetime caps and majority of the annual limits are limited for most of the policies that were issued or renewed on/after the September 23, 2010.

Do you want to get the best cover at the best rates in your state? Just enter your state zip at the top of this page and we’ll will do the rest. We will offer FREE health quotes that you can compare and choose the most affordable.

General Frequently Asked Questions About Individual & Family Health Insurance

What is individual & family health insurance?

The individual & family health insurance is the type of medical insurance cover which specially designed for the families and individuals instead of organizations or groups.  Although most Americans prefer the situation whereby their employer provides insurance cover, insurance experts advice that it is still very important highly recommended that you take out your own family or individual insurance.  There are very many options of individual & family health insurance options that you can choose from.

What is non renewal and how does it operate?

If your health insurance policy has no guaranteed renewal, the insurer may exercise its right of non-renewing the policy.  The term non renewal refers to termination of the health insurance contract at the expiry of the insurance cover policy.  If the insurer makes the decision to non-renew the policy, the law requires that it should mail or in nay other way deliver to you non-renewal notice 60 days prior to the date of expiry of the health insurance policy.  The non-renewal notice should provide the exact reasons why the insurer has declined to renew the policy.

How can you purchase individual health insurance cover?

The purchase of individual health insurance cover is very easy. You can buy it directly from a health insurer or through an approved health insurance agent.  There is no additional cost of buying the health insurance policy through   insurance agent.  In all cases, you need to read the terms and conditions of the insurance very well and answer all the questions that are asked by the insurer as honestly as possible. The common law insurance principle allows the insurer to avoid insurance claims if the insured made untrue utterances while filling the insurance proposal form.

How does the individual health insurance differ from the insurance through my employer?

The insurance that is bought through the employer is referred to as group health insurance; this means that the premium rates are determined depending on the health status of the individuals in the group. The rates of individual and family health insurance are based on the individual covered but not the group.  The insurer will like to get some information from you. Some of the required information includes health status, age, gender, use of tobacco and other factors.

What are some of the provisions of the individual heath insurance cover?

There are some differences in the terms of the health insurance policies from the different insurers but in general, the policy will provide for compensation in case of injury or sickness. The nature and form of injuries and sickness that may be covered is very wide but there are always some limitations that may differ from one heath insurance company to the other. You are advised to discuss with the insurer about what is covered and that which is not covered before you sign the insurance contract.

You should review the health insurance prices of the different health insurance companies in order to buy at affordable rate.  To do so, simply enter your state zip code at the top of this page and we will offer you various affordable quotes from different companies

FAQS About The Recent Health Care Reforms On Individual Health Insurance

Q: Why am I required to purchase health insurance cover under the new healthcare reform law?

A: The recent federal health care reforms require all the US citizens to purchase health insurance cover. The goal of this requirement is to ensure that no person can be priced out or denied the vital health insurance cover because of his/her problem.  The insurance sector in general operates on the principle that; out of the pool of the insured persons, only a few will claim compensation.  People cannot be allowed to avoid the purchase of insurance cover when they are healthy and rush for the health cover when they begin experiencing health problems.  The law requires all the people should buy health insurance whether they are in good or bad health.

Q: What is health insurance exchange under the new law?

A: The law provides that by the year 2014, the US states should establish market places for insurances which are referred to as the exchanges.  All the   people who reside legally within the state will from the establishment of the exchanges be capable of enrolling in the health plans that quality through the established exchanges.  You should consult a health insurance expert in your state to inform you on what your state is doing to ensure that it complies with what the law requires by 2014.

Q: after the establishment of health insurance exchange in 2014, am I required to give up the current health insurance coverage?

A: NO – The health plans that were in existence as at March 23, 2010 will be grandfathered under this new health care reform law and they will be deemed to be qualified coverage under the Act.  This means  that  thy are deemed  to meet the mandate of having  meaty the  requirements  of  the health insurance system which  begins  in January 2014.

Q: the health insurance premiums have in the past been on increase trend, does the health care reform law address that?

A: The new healthcare reform law is intended to prevent the unexpected or unreasonable   increases of the premiums and with time, it is aimed at slowing down the increase in the health care spending.  These reforms are inclusive of responsible cost-sharing and cost savings.  Because the  healthcare spending  is  highly likely  to continue  increasing  at a  faster rate  than the general national inflation,  the families and individuals  that have health problems may  realize  significant decrease  of their premiums once the  new rules of rating take effect. This is so because most premiums for the Americans will keep on increasing year by year.

Q: Under the new law, can one still maintain a health savings account?

A: YES – The new US health care reform law does not infringe on the individual ability to make contributions towards the health savings account.  It also does not discourage a person from doing so.  The minimum coverage level that is required in order to meet the mandate of an individual was purposely designed so as to make it possible to purchase high deductible plan that qualifies and which will thereby complement the Health Savings Account.

Do you want to purchase individual health insurance? If yes, we have made it very simple; simply enter your zip code at the top of this page and compare the lowest quotes from your state.

Individually Purchased Family Health Insurance In US

According to statistics released by US Census Bureau, 9% of Americans are under private family health insurance. The products offered under these policies are similar to those offered under employer program. The only difference comes in the fact that employees do not benefit from the employer provided benefits. This implies that clients purchasing these policies normally have higher out-of-pocket expenses, co-payments and deductibles than their counterparts holding employer-purchased family health insurance plan.

Individually purchased family health insurance price is normally high since there are no employer benefits the helps to reduce the amount of premiums pad. For the self-employed persons, they get tax deduction for of their health insurance.  These tax benefits can be used to purchase more insurance cover. However, consumers in individual market have no tax benefit or allowance of any kind that can help to keep the premiums low.

Individually purchased family health insurance quotes vary predominantly depending on age and health status of the individuals encompassed in the insurance plan. Nonetheless, the new family health insurance reforms due for implementation in 2014 have recommended prohibiting insurance companies from increasing the cost of the policy or failing to insure clients because they have existing medical condition.

Individual family health insurance prices are lower for clients who pass medical underwriting plans (in places where they are still used) than employer sponsored plans when you look at the entire premium amount contributed by the employer and employee.  The main factors that may influence these differences may include: higher beneficiary cost sharing and age difference. Besides, many individual family health insurance buyers only purchase the benefits they are certain they will use while employer sponsored clients purchase even covers that they may not necessarily require.

Another common reason why individual family health insurance policy holders in US might get lower premiums is the fact that they have high probability of reporting being in perfect health condition than employer-sponsored clients. The premiums of the individually purchased family health insurance in US increased by a smaller proportion (17.8%) than the out-of-pocket premiums in employer sponsored insurance programs (34.4%).  However, it is essential to understand that the upwards adjustment of the policies did not improve the benefits acquired from the policies.

Analysis conducted in the recent past also confirms that individual health insurance clients are extremely sensitive to the price of the policies. The demand elasticity approximates of the market differ but basically range between -0.3 and -0.1. The level of price sensitivity ranges among population categories. Generally, it is higher lower income and younger individuals.

In a study conducted among people who have no alternative sources of health cover, the number of clients purchasing individual family health insurance rises depending on the level of income.

Could you be self employed or you don’t have alternative family health insurance plan? Can you spare a couple of minutes? Just type your zip code on the search box above and you will be a step closer to getting comprehensive information regarding individually purchased family health insurance in US.