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Title: Cheap Student Health Insurance - Is It Possible?
Author: Terry Edwards
Article:
There is a way to get cheap student health insurance. Actually,
in some cases you can get it for very little to nothing. But, of
course everything has a trade-off. What you save and costs you
will assume in risk. For example, most of the lower cost student
plans offer very little coverage. In this case, you are banking
on the fact that you probably will not have to file a claim, but
want to have the peace of mind you can only get it if you have
some form of health insurance coverage.
In any case, your first search for insurance is to start with
publicly funded programs. There are many different health care
programs out there that are designed for specific students who
have unique situations. In most cases you're probably not going
to qualify for anything. But, there is tax money out there that
is waiting for students and will be offered to them for health
insurance. Why not look into these public funded programs to see
if you qualify? This is your best bet for cheap student health
insurance.
A more realistic chance of getting a cheaper health policy
though, is to find a policy that has a large deductible, or
offers a coinsurance pay with a high percentage on your end. In
either case, the premiums you will pay each month will be much
lower. The trade off is that you may end up paying more in a
claim situation due to the higher deductibles or higher
coinsurance. You will really have to weigh out the good with the
bad so to speak.
For example, if you had a $500 deductible then that means every
medical problem that is under $500 you will have to pay for
out-of-pocket. If you get into a coinsurance option where you
are paying 20% or 30% of the bill, that won't be a bad deal on
something that costs $600 or $700. However, if you have to take
a medical procedure which costs $25,000, it can be quite
expensive.
Cheap student health insurance is a gamble in most cases unless
you qualify for special programs. However, there are always
deals out there and the first place to look is within your own
university. Typically they will offer discounted programs that
commercial insurance providers will not. It might not be as
cheap as you like, but saving a little is better than saving
nothing.
About the author:
You can find out more about <a target="_new"
href="http://www.studenthealthinsurancea-z.com/Cheap_Student_Heal
th_Insurance.html">Cheap Student Health Insurance</a> as well as
much more information on everything to do with Student Health
Insurance at http://www.StudentHealthInsuranceA-Z.com
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