Many of the colleges are offering some form of student health insurance to their students. A large number of universities require its full time students to have a health insurance plan. If you enroll in such a university without proof that you have one, the school will have you enrolled in their own student health plan. The premiums for it will be included as part of either registration or tuition fees.
The importance of having a comprehensive health insurance for students is understood by many universities. The main reasons include providing prompt medical care for the students, protection from financial tragedy and maintenance of student help. Furthermore, many of these universities established healthcare centers that perform essential medical treatments including immunizations, routine check-ups and giving of prescription drugs. The insurance company that provides this coverage often gives a customized health plan for the university, whose benefits are associated with the student healthcare services.
Before availing of the health plan and health care options at your university, find out first if you have an access to them even if you do not avail of the student health insurance that is presented by the school. There are some universities that provide free or inexpensive health care to their full time students, even if they have not been insured under their health plan. You may also be given the choice of getting your own coverage even if the university has a student health insurance. If you have this option, you will be required to show proof of coverage upon enrollment. This is for the purpose of waiving the bill for a health insurance in your tuition fee. Many universities require that your proof of coverage be able to meet minimum standards.
There can also be limits imposed on the deductible options, coverage levels, out of pocket maximums, availability of physicians and other such things. This is important to know if you are a foreign student and has a student health insurance from your country of origin. The purpose of dictating these minimum requirements is to make sure that a comprehensive coverage is available for the students if they are struck by a calamity, sickness or injury. It also allows adequate medical facilities to be near the university.
Some students compare the features of a private health plan for students to that of the university. If you are going to do so, make sure that you understand the minimum requirements set by the university. You have to make certain that the private health plan matches the requirements of the school. If it does not, it will not be accepted by the university. Chances are that you will be enrolled with the student health insurance offered by the college through its healthcare center. Understanding such concerns on your health insurance will clear out issues regarding the coverage you need when enrolling in a particular college or university.