I am a full-time student at my community college and I am only working part-time so I can’t be on my company health insurance plan. I am taking medications for my skin problem and need help paying for the medication. Can you give me a price on an insurance that will help me?

You have several options available to you for obtaining health insurance coverage, but you may not be able to find a company that will pay for your current medications. Have you checked with your college to see if they offer a student health insurance plan? This type of coverage, if available to you, might be an inexpensive option and it is possible that they might even be able to offer discounts on your medication if you fill your prescription at certain pharmacies.

If you are currently uninsured, or have not had health insurance in the past 6 months, most insurance companies will exclude paying benefits on pre-existing conditions and any medications associated with the treatment of that condition. So, applying for an individual health insurance policy may not be the answer to your situation.

You may also wish to check with your parents to find out if you can qualify to be included on their group health insurance policy. Many insurance companies will allow full-time college students that are under a certain age to be considered as an eligible dependent. Group health insurance plans often provide more comprehensive coverage and may not exclude treatment of your current condition and medications. This depends on the type of health insurance that is available to you through your parent’s employer and applies primarily to HMO coverage.

1 Comment

1. Hi. I am in a similar situation although I think that my situation may be more difficult for me because of my age. I am also looking for student health insurance, but I am having a hard time getting around how to make it work financially. I will turn 26 next month and will begin studying full time in college. Is there cheap student health insurance available for me at my age? I obviously can’t be registered under my parents policy as a dependent or can I? I have heard mixed reports on that one. Anyway, I have been working full time at a local company prior to going back to school and will now be working part time. So for insurance I will have to pay over a third of my modest earnings every week for health insurance (over 200$ pr. Month). Do you know of anything cheaper than this? I don’t need a lot of coverage as I am young and in good health.

   Comment by James — June 6, 2009 @ 11:58 am

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