Is there a cheap student health insurance for a 26-year-old? I will also be working part-time for the company I am with for three years.
At 26, you may no longer be covered by your parents’ insurance as it usually ends at 24 years old. However, students can enjoy basic health services at the school’s student health center. You have already paid for this as part of your tuition. You can now choose to pay for a separate cheap student health insurance plan that will only cover major health and medical concerns such as surgery, accidents, or injuries. If the school does not offer such coverage, try contacting an agent and get a quote that you can pay. You are young and perhaps still very healthy. You may not need to use the health care system as often as the elders do. When you choose a cheap student health insurance plan, maybe you just consider the one with major coverage on accidents, surgeries, and other serious illnesses. If you still have money to spare, you can choose to open a Health Savings Account (HSA) if you have not already done so. You can still use HSA even after you finished college. HSA rolls over annually and you only use what you withdraw. Remember, though, that if you choose a plan that includes doctor’s visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays the monthly premiums would be higher. Be very discerning on the cheap student health insurance plans as some may not offer good value for your money. Since you have purchasing power, try to go with the cheap student health insurance plan that covers everything you might need and still affordable for a working student like you. Answer by general public - June 19, 2009 @ 2:01 pm 1 CommentLeave a comment |
|
Like with any other insurance plan a cheap student health insurance may vary from each state. The cost of the premium also depends on the type of coverage you will choose.
If you are in CA I would try the Anthem Blue Cross Smart Sense plans. The Smart Sense plans have a very low out-of-pocket max and give you a few options as far as Drug coverage to lower your costs as well.
To see prices for the Smart Sense plans you can go to: health-insurancecalifornia.com
Comment by Lesley — June 19, 2009 @ 12:44 pm