When your kids leave home and take off for school, you want them protected. Many parents forget health insurance.
The true definition of being in an uproar is when your kids leave home for college. The whole world gets turned upside down. It is tough to keep track of all the changes, what they will need, the expenses, when they leave and what they are taking, when they can come home and where they will leave and who will pay for all of this. Typically, the parents make the most significant contributions towards their children’s education, with the kids themselves sometimes snagging a student loan or scholarship of some kind.
With everything going on, it is not too surprising that health insurance plans are overlooked. Admittedly, it is not always easy to find an affordable health insurance policy for a college student, but that is not to say that it can’t be done. Start by looking at several different companies and take the time to compare what they offer. Try not to make your decision based on what the price of the premiums are every month, because there are other things that are more important in the greater scheme of things – for instance, co-pay amounts and deductibles.
Not sure how to figure out what your student would need? Let’s just use a quick example and say, count on your child getting sick or injured at least once a year and do some calculations based on that. Does your child love to rollerblade, ride in rodeos, parachute or luge? In other words, if they participate in risky sports, you need to take that into account when you buy a policy. The more active they are, the more different kind of policy you will need.
Another alternative for you to consider is that many colleges and other educational institutions offer their own health insurance quotes, often priced fairly reasonably. Just keep one thing in mind, and that is just because they may offer insurance, does not mean it’s the right insurance for your child. If you are not sure about the policy they may offer, why not just give your own health insurance agent a call and find out what other alternatives might work out for you and your student?
Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit http://www.benepath.com.