International Student Health Insurance

If you're planning on applying to college, it is very important to consider having a student health insurance. Going to college is essential in order to feel safe about your future income. But what would happen if you got sick or injured while being there?

Do not think that just because your peers are in seemingly good health, that neither you will encounter any problems with your health - I'm saying this not to scare you, but I want you to not underestimate how important it is to be entitled to a ,.

First and foremost, if you have the possibility to remain on your parent's health insurance then that is certainly a good idea. That is because since sept. 2010 the Patient Portection and Affordable Care Act regulates that dependent children of age below 26 have to be allowed to stay on their parents plan, unless the child is already working and thus eligible for health coverage by the respective employer.

Now, if you finds yourself in a situation by which you loose your job, or are forced to abandon it, and/or you aren't covered by your parents health insurance anymore, then the so called COBRA law may let you stay on the plan up to eighteen months, given that the necessary requirements such as paying the full premiums are met.

It is a good idea to find whether the school offers students a health insurance, because there are many colleges and universities which offer affordable student insurance plans by contracts stipulated with other companies. You should determine the coverage of such plan, because it is important that it includes student health service, various diagnostic tests and different medical procedures.

Another option is to buy an individual health insurance through the help of a broker or an agent. These can cost a lot, and one possible con is that it is necessary to go through an examination in order to establish your current health state, because if there is a pre-existing condition, then the company may refuse to agree issuing such coverage, or include an exclusion period. However, in the beginning of the next year, this law will cease to apply.

Medicaid is a way to get insurance through the insurance state department, in the situation whereby the family's income is not very substantial and it already has other medical commitments, the individual may be eligible to receive insurance by them.

Finally, if it's the case that you do not own any insurance at all, it's a good idea to look for a FQHC usually located in the
vicinity of colleges. These community health centers are available in most cities throughout the country, and offer health care to people that do not possess a health insurance. Their prices vary based upon the individual's income. Checkups, treat sicknesses, pre-labor help, immunization shots and other health issues such as treatments of addictions to different substances are typically provided. In some cases you may find functional dental clinics and drugstores within the same area.

I hope my article was of help to you, I wish you good luck on finding the best student health insurance.