Student Accident And Sickness Insurance Provides Health Insurance For College Students And Their Dependants
Going to college can be an interesting experience that requires a lot of changes in your life. There are a great many expenses involved as well, from books to tuition, food, and having a place to stay, but what many undergrads forget is their health.
Many colleges require that students have a health plan of some sort, however, they also realize that many students cannot afford a traditional health plan or go through traditional providers. As such, full time students can purchase student accident and sickness insurance as an affordable health care option.
| Accident Insurance Explained |
Like most insurance policies, Student Accident And Sickness Insurance offers coverage up to a specific amount. This amount can vary based on the insurance company.
Typically there is also a deductible, however it is much lower than traditional types insurance making it possible for the student to afford medical care when they need it. Also, like traditional plans, there is a preferred network.
Students who use the network pay 20% out of pocket for care, once the deductible is met, students who go out of the preferred network pay 30% out of pocket. Either way, it is much more affordable than paying 100% out of pocket.
It is important for students to make regular payments on their Student Accident And Sickness Insurance premium, otherwise they will lose coverage and they may also be removed from classes until coverage resumes (depending on school policy).
This protects the school from law suits should a student be injured while on campus. The monthly premiums also vary based on the insurance carrier and whether the student is alone on the policy or has a spouse or dependants.
The Student Accident And Sickness Insurance does cover a full-time students spouses and / or dependants for as long as the student pays his or her premiums and remains in school.
There are many ways to get a quote for Student Accident And Sickness Insurance, however, if you want an fast/instant quote, then the Internet is your best bet. You will be able to compare rates with every insurance company in the USA and find out which one is best for you.
Also, check your schools website, often they work with a specific company that offers deeper discounts to its students.
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