Tag Archives: Students

Health Insurance For Students

College is often remembered as some of the best years of a person’s life. The freedom of finally being able to manage your own schedule without curfews or limitations, meeting new people from varying walks of life, and figuring out what you want to do with the rest of your life are just part of these great years. During such a carefree time, few students stop to think about what would happen if some health problem or injury befell them, making health insurance all the more important for this population.

It is thus important for parents to carefully examine their health insurance policy and contact the company regarding the terms and conditions of continuing health insurance coverage for their college student. Most students are still covered under their parents health insurance policies if the parents elect to continue coverage, but students need to discuss this with their parents to ensure this is indeed the case.

Some policies require students to be full time students in order to qualify under their parents policy, with the actual definition of what full time actually is varies from company to company. Others are satisfied covering dependents through most of their 20s if they are enrolled in college part time. Many have provisions and options at least for part time students, particularly those that work at the same time.

Colleges and universities generally have their own student health center, staffed to deal with minor medical issues and run minor diagnostic tests. However, these lack specialists and most diagnostic equipment, so local hospitals, physician groups, and diagnostic facilities should also be explored. Since out of network health care is so much more expensive than in network health care, local facilities and practitioners should be matched with the insurance policy to ensure that they are in network.

For students going to an out of state university, there may not be any in network facilities nearby. In this case, it is necessary to explore alternative health insurance options. Most, if not all, higher education entities have programs available specifically for students needing health insurance. Generally these require students to go to the student health center for all care unless referred elsewhere by a medical professional there. While coverage is decent, these health insurance policies are not recommended for students with significant pre-existing conditions, as coverage is not extensive and the care obtained at a student health center is generally not on part with that obtained elsewhere.

Since most college-age students are relatively healthy, many may find that a private insurance policy is even cheaper than that offered by their school. Though this is certainly not always the case, it often is. Especially for students that live on campus, it is important to make sure that the student health center is considered in-network, as this is the closest and most convenient place to go for minor medical issues, such as colds, the flu, sinus infections, and minor injuries.

As with all decisions in regards to health insurance, it is important to carefully weight the options in order to make the best decision possible.

Casey Trillbar is the editor of the YourOnlineInsuranceAgent.com website which offers information, resources and online home, auto and health insurance quotes. For more information visit: http://youronlineinsuranceagent.com

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Car Insurance Discounts for Students

Costs are rising more than ever for today’s college students, from the high price of tuition to the hundreds it costs for textbooks and supplies each semester, and student car insurance is yet another burden. Knowing how to find the best deals if now more important than ever in today’s economy.

While it may seem that you simply do not have the time, you really should try hard to find the time to look for cheaper for of car insurance that will provide the coverage you need.

Your age and the fact that you are a college student will unfortunately mean that you are in a category of driver that makes for higher rates than other populations. However, there are some companies that offer student discounts.

Were you aware that there are some insurance providers actually offer lower rates to students who maintain higher grade point averages? If you have a B or higher in your classes, you should look into this option.

This is not the only discount to know about. If you are currently residing in a rental apartment off campus, you may need renter’s insurance. Use the same company for both your renter’s insurance and your auto insurance, and you will most definitely see the annual savings. If you live at home or with family, always ask about any options for a group family plan.

For the dorm resident, there are financial benefits too. You are already probably paying less for fuel and the wear on your car is lower, but there are insurance advantages as well. Many of the companies have a lower mileage rate for people who drive their cars less. If you are more frequently biking on campus or taking public transportation, this is a great way to save.

Consider an alarm system or a Lojack device for your vehicle. Insurance companies want to see that you are taking safety precautions. If you are at a lower risk of theft, this can mean savings for you.

Undoubtedly, student car insurance will add to your financial struggle as a student, and if you can avoid having a car during your college years it will save you a great deal. That said, there are still ways to find good rates. Do your homework and be creative; you will find what you need.

The Cheaper Car Insurance for Young Drivers Guide was established to help people learn about the various aspects of car insurance.

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Is Short Term Car Insurance A Useful Product For Students

Students home from college or university during holidays can create problems when they want to use a motor car to get about. Usually they are not independently mobile as a result of limited finances and the cost of insurance for younger drivers.

Their parents have usually committed significant financial resources to supporting them in higher education which, in most instances, does not leave enough to assist in the purchase and running costs of a car for the student. That can lead to a dilemma when the returning student asks for permission to borrow their parent’s car.

They must have proper insurance which entails the parents contacting their broker or insurer direct to carry out a mid term adjustment to their annual car insurance policy to include the student as a named driver.

That takes a lot of time and effort, not to mention the additional premium for the adjustment. The worse bit from a parent’s perspective is that any claim whilst the student is driving usually impacts on the parents no claims bonus, resulting in increased premium at annual renewal. Now you can see why it presents parents with problems.

Short term car insurance can, in certain circumstances, provide a solution to the parent’s dilemma. The basis of the temporary car insurance is you can take out separate short term cover for up to 28 days by completing an on line, simplified application and making payment for the period selected.

The process is through the internet searching against the companies URL or search terms such as short term car insurance or temporary car insurance. The day insurance certificate can be printed off at home and the policy is registered with the MID.

In addition, most short term car insurance providers offer uninsured loss recovery as part of the insurance and one company offers dayresQ which is daily roadside recovery. The most important feature of temporary insurance, from a parent’s perspective, is any claim under the policy does not affect the parent’s annual policy no claims discount.

The policy is separate car insurance in the name of the student. It is flexible and can be taken out as frequently as desired even just for the odd day every now and then.

It cannot be all good news can it? Unfortunately it is not, there are strict age restrictions on most policies with the youngest age that is eligible of 21 years of age. The driver must also have had their UK or EEC license for a minimum of 12 months. Clearly this would exclude a lot of returning students from being able to take out the insurance.

However, it does leave most students in their later university years eligible and that may not be such a bad thing as they are able to borrow the car with a little more maturity under their belt. After all would you trust your 19 year old student with the keys to your car, I know my parents did not trust me to drive safely at that tender “I’m bullet proof” age.

So in answer to the question posed by this article, short term car insurance is a great solution to the problem of returning students wanting to borrow the parents car to take all their mates to Glastonbury, provided they are over the age of 21 years.

However there will still be the need to undertake mid term adjustments on the parents annual car insurance policy to insure younger students under the age of 21 years. As they say, you cannot have it all.

Shaun Parker has been at the forefront of the Short Term Car Insurance industry for the last 10 years. For more information visit http://www.dayinsure.com

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How College Students Can Get Texas Health Insurance

For college students in Texas, health insurance can be hard to come by sometimes. A lot of them do not bother to get health insurance in Texas. They tend to believe that their health is good and that they won’t be stricken with any ailments or illnesses. What they don’t realize is that regardless of how young or how old you are, health insurance can help you when you need to see the doctor.

Here are some things that college students can do to get health insurance in Texas that is affordable:

If your parents have put you on their health insurance policy, by all means let them keep you on. Trying to tackle it yourself would be a challenge, especially if you don’t have the money to do it. Or if you had health insurance in Texas from your employer and no longer work there, you are eligible to purchase COBRA. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. This insurance kicks in once you are no longer employed with the company.

If you are still on your parents’ insurance, as a student, you are allowed to stay on until you turn twenty five. The exception to that is if you are physically and mentally challenged. It’s better to have coverage as a dependent because students are able to save money by not having to come out of their pocket to pay for health insurance coverage in Texas. For college students that go to school away from their residence will need to know about stipulations that may apply to them. This is especially important if the health insurance coverage is through an HMO (Health Maintenance Organization).

HMO health insurance in Texas is set up by regions. If there is not a doctor’s office or other medical facility near you , you may have to go out of the way to see you doctor. There are some HMO health insurance carriers that are in certain networks that allow for people that live outside of the area to not be penalized for that. You should also ask about going to a medical facility that is outside of the network. You usually pay more, but in an emergency, HMO health insurance is required by law to handle things such as medical emergencies.

There are many universities and college that have student health insurance plans in the state of Texas. In addition to that, you may need comprehensive health coverage in the state of Texas. Some of these coverages may be required, depending on the school’s policies. It would definitely be much needed if the student were traveling overseas. There are plenty of colleges and universities in Texas that have student health insurance plans. For the most part, the schools use health insurance carriers from the private arenas.

For health insurance in Texas, there are different kinds of health insurance policies available for students. The best choice for them would be to have a single medical policy that goes across the board. If you are a student, you won’t need a lot of options. However, if some of the options you need are not there, please ask the health insurance carrier.

For student health insurance in Texas, it’s not a good to have more coverage than you need. You’ll end up spending more money that you want to.

This article about Texas Health Insurance is brought to you by Texas Health and Jordan FeRoss. You need to check out their website: Health Insurance in Texas for really good health care advice!

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OSHC: Health Insurance for Overseas Students in Australia

Travelling to another country is exciting in most circumstances, not to mention moving to that particular country to study and live. There is a lot to think about when living in a different country including flights, accommodation, visas and making new friends. One element that is often forgotten when moving is health insurance! Here we discover the “ins and outs” of health insurance for students living in Australia.

What is it?

OSHC (overseas student health cover) is a comprehensive hospital and medical private health insurance specifically designed for students. It’s considerably cheaper than the equivalent private health insurance for Australian permanent residents. This insurance will provide important cover for students should they become ill while in Australia.

Many policies will cover the following elements:
– Medical treatment in hospitals (co-payments are often required)
– Hospital accommodation
– Medical treatment outside of hospitals
– Pharmaceuticals (medicines) – up to a maximum of $ 300
– Ambulance cover for emergency situations

Why do you need it?

In Australia, it is a mandatory requirement of a student visa for the holder to take out overseas student health cover. This is because people who have a student visa are not covered by the public health system known as Medicare and medical treatment can be very expensive if the patient does not hold any kind of OSHC. In reality, this visa requirement is not in place to benefit the Australian government – it is merely to ensure the international student is covered if they fall ill while in the country.

Who is eligible?

People that are eligible for overseas student health cover are visitors who have a student visa and are studying in a country other than their own, or alternatively:

– A person who is an applicant of a student visa
– A person who was a holder of a student visa and has applied but is yet to be given a bridging visa

Each OSHC provider may have different criteria for those seeking this type of health insurance so it is always important to ask about your eligibility to be sure you are fully covered under the right policy.

How to use OSHC

When purchasing overseas student health cover, many providers will often have a website containing a vast array of information and how to claim on your insurance policy, should you get sick. You will undoubtedly need to quote your policy number and some other information, so always be sure to keep this information in a safe place. Each provider will reimburse you in different ways, some by cheque and some by direct bank deposit. Regardless of the method they use, always make sure your details are updated and correct so that they can supply you with your money quickly and easily.

Medibank Private is one of Australia’s leading providers of Overseas Student Health Cover (OSHC).

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