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Student Health Insurance
1/30/2010 3:00:00 PM
According to a report recently released by the Government Accounting Office, nearly 1.7 million college students are not insured. This is sad news because young Americans are also among those who are most likely to have medical emergencies.
The report also showed that back in 2005, the uncompensated, non-injury-related medical expenses reached between $120 million to $255 million. Recent reports even show that around two-thirds of uninsured young adults do not seek treatment because of its high cost.
Fortunately, colleges are willing to change these figures and recently, many colleges have done something about this, such as requiring proof of health insurance prior to enrollment.
While some colleges ask students for proof of health insurance when enrolling, there are also numerous colleges that offer coverage options through student health insurance. According to GAO, around 60% of colleges offer these health plans to students. Student health insurance is offered by 82% of four-year public colleges while 71% of four-year private colleges offer the said plans.
The eligibility requirements for availing student health plans are less restrictive compared to individual plans. If a student opts to take advantage of the student health insurance offered by his school, he should be qualified for coverage once he enrolls as a full-time student. There are even student health insurances that allow the insured to extend it even after graduation.
Student health insurance comes with different benefits and at different costs, so it is important to check the policy’s benefits first.
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