| It is summer 2006. Young and not so young people | | | | Plans to Watch Out For: Discount plans. These are not |
| are graduating from school and there are millions of | | | | health insurance plans! These plans can save you |
| people who are starting to think about student health | | | | money on health care, but only offer discounted |
| insurance. Here are some tips for parents and | | | | services and not true insurance benefits. If you had a |
| students who are looking for health insurance for a | | | | major accident or sickness, getting 25% off of a |
| college student, health insurance for a graduating | | | | healthcare bill of $50,000 may not give you the |
| college student or health insurance for an older | | | | benefits you hoped for.Accident only plans. Students |
| graduate student. There are a lot of choices. This | | | | get the flu, mono and even cancer. Being covered with |
| article is designed to give you an overview of the | | | | an accident only plan can offer substandard coverage |
| choices available to students.Health Insurance For | | | | when compare to a comprehensive health insurance |
| College Students You should explore all of the medical | | | | plan. (By the way, an unplanned pregnancy is not |
| plan options available to you. Your choices may | | | | considered an accident either J. :-) )Hospital Only or |
| include:Getting health insurance through the student's | | | | Basic Plans. These plans tend to offer good coverage |
| employer.Getting medical insurance through your local | | | | in the hospital but little coverage outside of the hospital. |
| Blue Cross Blue Shield or other private health insurance | | | | These plans can save you from a hospital bill that |
| plan.Getting "college student health insurance" through a | | | | might otherwise bankrupt you. However, today hospital |
| plan offered by their college or university.Getting health | | | | stays are getting shorter and more and more |
| insurance as a dependent on the policy of a parent or | | | | healthcare is being done in doctors offices. If keeping |
| spouse.When looking for the non-group health | | | | your premiums low is important, consider a plan that |
| insurance plans that are available in your area, you | | | | covers you both in the hospital and in the doctors |
| may want to contact your state's insurance | | | | office that has a high deductible.School Sponsored |
| department. You can contact them and find out which | | | | Clinics And Urgent Care Centers. They cover you well |
| companies market individual health insurance in your | | | | for the little things, but not so well for the big things. |
| area. Healthcare choices for the out-of-state student If | | | | There may be no coverage for surgery or |
| you live on campus, look into the plans offered in each | | | | hospitalization. In contrast to hospital only plans, these |
| area. If your parents live in Florida, but you go to school | | | | plans my not cover you for a hospital stay or for |
| in Texas, you should see what health insurance plans | | | | surgeries.Finding the right student health insurance is |
| are available to you in both states. A student who has | | | | important. College students and graduating college |
| a permanent address of Connecticut and attends Yale | | | | students have a lot of choices. Hopefully reading this |
| in New Haven should only purchase a | | | | article will make you aware of the options that you |
| Connecticut-approved plan. If the same student | | | | have. This article can be copied and reprinted but only |
| transfers to UCLA, he or she can also explore plans | | | | in its entirety. The article was originally published on |
| offered in California. Some plans may even charge | | | | The article starts with the heading "Student Health |
| differently based on your zip code, so even if your | | | | Insurance - Tips to Help You Choose the Right Policy" |
| two addresses are in the same state, you may still | | | | and ends with this sentence.Alston J. Balkcom has |
| save money by looking at rates for both areas. Health | | | | been a Connecticut insurance agent since 1985. His |
| Insurance For A Graduating College Student You | | | | practice primarly involves helping Connecticut residents |
| should explore all of the medical plan options available | | | | find health insurance. His focus is on those who do not |
| to you. Your choices may include: Getting health | | | | qualify for health insurance through their employers. |
| insurance through the former student's | | | | Most of his clients reach him after visiting his |
| employer.Getting medical insurance through your local | | | | Connecticut health insurance focused web-site . He |
| Blue Cross Blue Shield or other private health insurance | | | | has taken several advanced courses over the years |
| plan.Purchasing short-term health insurance to cover | | | | to increase his knowledge of health and other types of |
| you until your employer-sponsored plan becomes | | | | insurance. His resume includes time with Metropolitan |
| effective.Getting health insurance as a dependent on | | | | Life, and Mutual of Omaha. |
| the policy of a parent or spouse.Medical Insurance | | | | |