When you are a student, you have plenty to think about; tests, homework, clubs, organizations, and many more different things, health care isn't something that most students think about. However, you should think about it. There are a lot of things that can happen while you are in college, especially if you are involved in sports on or off campus or if you work with children or the elderly. A lot of campuses have their own health centers, but that may not be enough. If you have to go to the hospital, emergency room, or a specialized doctor that isn't provided by the school, then you could be paying for that visit yourself. Students should look into getting their own health care if they can, but many students don't know what their options are or haven't even thought about it.
The first reason why some don't think about health insurance as a student is because they may be on their parent's health insurance. Students can now stay on their parent's health insurance as a dependent until the age of 26. Of course the plan that your parents are on would have to offer dependent coverage. If it doesn't extend coverage to dependents that this may not be an option for you. For non-traditional or graduate students that are over the age of 26 you will have to find your own insurance even though you may be a full time student and your parent's insurance may offer dependent coverage. If you are older than 26 and/or your parents don't have extended coverage toward dependents, you may want to look into whether or not you can get health coverage through your college.
Some colleges and universities do have health plans that attendees can take advantage of. The type and amount of coverage that you may be able to receive through the college will change place to place. One college may offer an extended medical plan with a great monthly rate, but only if you use their in network doctors. However, another place it may not matter which doctor you see, but you may pay a higher rate. Another thing that you may need to consider is if you have a dependent yourself, this could be children, a spouse, or anyone else that you may claim as a dependent on your taxes, is there a plan through your college or university that extends to your dependents. When you start to look at the different plans that may be offered through your school, remember to read the fine print but also remember that you do have the option of getting health insurance on your own.
There are many people who decide to get their own health insurance and don't go through work or school to get it. Many insurance companies do offer special plans for students no matter what the age is, of course if that plan doesn't cover everything that you need it too, you can look at the regular health insurance plans. Getting the proper coverage for you and your family, if you have one, while you are in college is very important. Although you might think that since you are just getting a business degree or your masters degree, that you don't necessarily need insurance, the truth is you don't want to find yourself injured or sick without any type of coverage.