By the time many students go off to college, they will no longer be covered under their parents’ health insurance policies. A too-large portion of current college students are without any type of medical insurance, leaving them extremely vulnerable to major health costs. Many of these students rely on their student health center care as their sole medical service provider, but most student health centers can only provide very limited care.
Finding affordable student health and dental insurance can be particularly simple, depending on the quality of service provided from the student assistance departments of colleges and universities. Most higher education institutions are happy to recommend affordable student health and dental insurance companies and policies to their students and counsel them through tough insurance considerations. Because insurance companies are aware of the large and varied costs of college life, many of them maintain low priced student coverage.
If a school can help a student find a suitable policy but the premiums would still be difficult to afford, a popular solution is to take out additional student loans to cover the cost of premiums. Most student loans are automatically deferred until after graduation, and it’s not unreasonable to consider health insurance costs among the whole of college expenses.
If a college is unable to assist its students in finding quality, affordable insurance, its students can contact the local hospital to see if they provide income-based health coverage. Many major hospitals can provide basic and even comprehensive health coverage based on income levels, which can sometimes result in premium-free policies for college and university students.
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