Student Short Term Health Insurance

Student Short Term Health Insurance: Should All Students Be covered?

Should All Students Have Coverage?

There is no doubt that all students should have some sort of health insurance coverage. But what if you, as a parent, are not able to help them out because you do not even have your own health insurance policy? In this case, your best choice is to probably opt for a short term health insurance policy for them.

Why Students Should be Covered

Although everyone should have some sort of medical coverage, students especially should have this. Why, you might be wondering? Well, it is because a lot can go on at college. You never know when your child who is away at college may become ill or get hurt. In order to prevent the cost of highly expensive medical bills in the future, it is a good idea to make sure that your son or daughter college student has some sort of health insurance.

The Benefits of Short Term

There are a number of reasons why short term health insurance policies may be the best choice for your son or daughter who is attending college. What are some of the benefits? Well, for the most part, short term health insurance policies are a lot cheaper than individual or group health insurance policies. Although most plans are non-renewable, they can be bought for anywhere between six to twelve months. This amount of time for a health insurance plan will be perfect for a student because it will cover anywhere between one semester at college or an entire year of college. Prescription medication is covered by student short term health insurance plans. It also will cover hospital visits, emergency treatment and stays, which is great to have in case your son or daughter ever needs to be brought to the hospital and stay overnight. Most student short term health insurance policies have a one million dollar policy maximum. Another benefit that will come along with buying a short term health insurance policy for your college student is the fact that most of these policies are accepted by pretty much every doctor’s office or hospital in the United States, as well as in Canada. If your college student decides to go away for spring break or join a college exchange program for other schools in the United States, the short term health insurance policy will be accepted.

The Main Con

There is one major con to buying a short term health insurance policy for your college student. Of course, it is great to have in case your college student ever needs to be rushed to the hospital. However, unless this happens, it may not be necessary. Most colleges and universities offer free care at their nurse’s office. If your college student would rather go to their college or university’s nurse’s office rather than a doctor’s office, then there may not be a need for a short term health insurance plan for him or her. If your college student can get the health care that he or she needs for free, it seems a bit pointless to spend the money that is required to buy a short term health insurance policy.