Getting Covered: Health Insurance for Your College Student

Posted on: August 14th, 2013 by SRSblogger

It’s that time of year again where college campuses and universities across the country begin to fill up with our nation’s young adults who are eager to learn. Alright, so they may or may not be eager, but they’re there, meaning your college-age child is away from the safety of home.

Make sure your college reaches this day safely with the right health insurance coverage.

Make sure your college reaches this day safely with the right health insurance coverage.

It can be an anxious time for parents because even though your college student may think they’re invincible, you know they aren’t. That’s why having them protected under a health insurance plan, especially if they’re out of state, is important for your peace of mind.

The good news is that there are plenty of options when it comes to your child’s health insurance. Let’s take a closer look at the choices: 

Continued coverage on your policy- most plans allow dependent children to stay on their parent’s coverage through age 25. However, it may mean your child will have to get treated where you live in the event of an injury or illness, which can be difficult if they are out-of-state or far away.

Check with the school- a lot of colleges offer low-cost student health plans, though they may require comprehensive health care coverage. It doesn’t hurt to check, though.

Locate other group coverage- does a group, organization or club you belong to offer health care coverage? Check if your child would be eligible.

Find individual coverage from a private carrier- this can be an expensive option, and your child will have to be evaluated to see if they are eligible. Different companies have different criteria, so if they are declined by one company, keep searching.

We understand that health insurance can be expensive. However, it would bring you peace of mind in the event your child becomes sick or is injured and needs medical assistance. Southern Risk Services can help identify possible solutions for your college student’s health care, so please get in touch with us if you need assistance.

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