Student Medical Insurance- secure affordable health coverage « Health Insurance Advisory

Student Medical Insurance

Student Medical InsuranceAre you less than age 26 and feel you do not need medical insurance because you are healthy or it is too expensive?  What if you suffered a sudden, unexpected illness or accident?  Your medical bills could put you in debt or ruin your credit.  Even worse, lack of medical insurance may limit your access to healthcare services which could affect your ability to fully recover.

Fortunately, there are many alternatives for student medical insurance.  These include:

1. Short term medical insurance

Commonly rerfered to as “affordable temporary health insurance,” these medical insurance plans are designed to provide healthy individuals with 1 to 12 monthis of coverage.  They are great for recent graduates who need interim medical insurance.  Since short term medical insurance plans provide comprehensive coverage, it is similar to having an individual major medical insurance plan that pays for physician office visits, lab, x-ray, surgery and hospitalization.  Some short term medical insurance plans cover prescription drugs and even preventive care services, such as mammograms and pap smears. Although you can reapply for short-term medical insurance once your policy expires, if you anticipate needing coverage for more than 12 months or have a serious or significant pre existing condition, your best alternative is an individual major medical insurance plan.  Get a quote and apply online today.  Coverage can begin as early as tomorrow.  It is fast, east and convenient!

2. Individual Major Medical Insurance

For students who do not have access to coverage under their parent’s medical insurance policy and need a permanent solution that provides comprehensive coverage, an individual major medical insurance plan is the best alternative. The new healthcare law, called the Patient Protection and Affordable Care Act,  mandates individuals less than 19 years of age cannot be declined by health insurers and pre existing conditions must be covered.  This requirement is applicable to both employer sponsored group health plans and individual major medical insurance plans.  Young adults age 19 and older, however, can be medically underwritten for an individual major medical insurance plan. This means they can be declined and coverage for a pre existing condition may not be covered until 12 months of consecutive coverage under the individual major medical insurance policy.

3. Limited Benefit or Mini Med Medical Insurance Plans

Ofter considered the “cheapest health insurance,” this type of medical insurance serves many purposes.   Limited benefit or mini med plans can be an alternative for individuals, such as students, who have a very limited budget.  They are also an option for individuals who have a pre existing health condition and cannot qualify for an individual major medical insurance plan.  That is why these medical insurance plans are also referred to as “health insurance for pre-existing conditions” and “guaranteed health insurance.”  Since applicants are generally not required to answer health questions, most individuals will qualify for a policy.  Benefits for pre existing conditions, however, are generally not paid until the insured remains covered under the medical insurance policy for 12 consecutive months. Also, the benefit payments for covered services are fixed.  This means the policy will pay you or your healthcare provider (if you assign benefits) the stated dollar amount shown in the policy, regardless of how much the healthcare provider charges for his/her services. Since these payments are not based the healthcare provider’s actual bill, these plans are considered supplemental.  They are not desiged to replace major medical insurance.

An advantage to limited benefit, mini med and guaranteed health insurance plans is you will have a medical I.D. which will allow you access to healthcare.  Without a medical I.D. you will likely find yourself with restricted access to healthcare.  Think about it.  What is the one of the first questions that a healthcare provider asks when booking an appointment, “Who is your medical insurance carrier?”  To view the rates and benefits for this type of medical insurance plan, get a quote today. You can even apply online.  It is quick and easy.

4. Dependent Coverage under Parent’s Medical Insurance Policy

Under the new healthcare law, individuals less than 26 years of age can remain covered under their parent’s medical insurance plan, regardless of their student status, employment or marital situation or place of residence.  Previously, covered dependents generally aged off their medical insurance policy when they turned 18 or 24 if a full-time student.  This new mandate is applicable for both employer sponsored group health plans and individual major medical insurance plans.  For more information, check with your parent’s health insurer.

5. State Children’s Health Insurance Plan

On February 4, 2009, President Obama signed the Children’s Health Insurance Bill.  It was orignally part of the Federal Balanced Budget Act of 1997.  This government medical insurance plan will enable states to cover more than four million uninsured children by 2013, while continuing coverage for seven million youngsters.  There are certain eligibilty requirements that apply, including age and income.  To learn more about the State Children’s Health Insurance Plan in your state, visit the goverment medical insurance plans section of our site.

Student Dental Insurance Plans and International Medical Insurance

  • Student Dental Insurance

    Having full coverage dental insurance is essential to maintaining overall total health. With many types of plans to choose from, it is easy to secure a student dental insurance plan that fits your budget. Studies show that students without full dental coverage usually skip preventative dental care and only visit the dentist only when there is a problem.

    Why put your teeth and gums at risk when the cost of preventative care is a fraction of the cost of restorative dentistry?

    Cost of  restorative treatment is more expensive than preventive care

    Average Cost of Common Dental Procedures Min. Cost Max. Cost
    Exam & Cleaning $86 $110
    Complete X-Ray Series $123 $171
    Filling $119 $181
    Root Canal $1,315 $2,351
    Crown $1,144 $1,443

    The Coalition for Oral Health, representing a wide spectrum of oral health associations, reported that $1 spent for prevention saves from $8 to $50 in restorative care!

    Benefits of Student Dental Insurance

    Students purchase full coverage dental insurance for many reasons, including:

    1. Financial protection – without some form of dental insurance to help cover the expense of dental care, the cost of paying for expensive dental procedures, such as restoration, surgery, endodontic and periodontal services is simply not affordable.

    2. Maintenance of a healthy mouth and overall wellness – studies show that regular dental check-ups and cleanings help promote overall health. That is why most individual dental insurance plans pay 100% for a routine exam and cleaning every six months.

    3. Prevention – a student dental insurance plan makes the cost of preventive care more affordable, so you do not have to put off dental care until you have a problem.

    Student Dental Insurance Plans – covered dental services

    1. Preventive: cleaning, exams, sealants and fluoride treatment

    2. Diagnostic: bitewing x-rays and full mouth x-rays

    3. Basic: fillings, simple extractions and repairs

    4. Major: oral surgery, periodontics (treatment of diseases affecting the gums and supporting structures), prosthodontics (replacement of missing teeth and related mouth or jaw structures by bridges, crowns, dentures or other artificial devices) and endodontics (treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals)

    Some student dental insurance plans have waiting periods, while others may increase the percentage the dental insurance policy pays toward covered dental services every year you have the dental insurance plan.

    Types of Full Coverage Inexpensive Dental Insurance

    There are several types of individual and student dental insurance plans, including:

    • Dental Preferred Provider Plans
    • Dental Maintenance Organization (DMO) Plans
    • Scheduled Reimbursement Dental Plans
    • Discount Dental Plans

    Indemnity Dental Insurance

    These are “traditional” dental insurance plans where the dental insurance plan covers a percentage of your dental expenses. Since there are no network providers, dental services can be obtained from any dentist.

    After you satisfy the deductible, the dental insurance plan generally pays for covered services up to an annual maximum, usually between $1,000 and $2,000. Indemnity dental insurance will pay based on the Reasonable and Customary (R&C) expense. That means if your dental provider charges more than the R&C expense, as determined by the dental insurance company, you will be responsible to pay the difference. Additionally, student dental insurance may have waiting period(s) for certain services.

    Dental Preferred Provider Plans (PPO)

    Although, generally less expensive than indemnity dental insurance, PPO (Preferred Provider Organization) dental plans work very much the same way. They also offer the option to obtain dental care from a network provider. Since the dental insurance company has negotiated discounts with participating providers, you pay less for dental services. While students can also seek treatment from dentists outside of the PPO, they will generally be responsible for higher deductibles and/or co-payments.

    Just like indemnity dental insurance, benefit payments made by the dental insurance plan can be paid to you or directly to your dentist, if you assign them. Reasonable and Customary, however, does not apply when dental services are received from a network provider. That means your dentist cannot bill you for the difference between the negotiated rate and his/her retail charge for the services rendered.

    DMO Dental Insurance

    These dental plans, also called DMO’s, operate the same as health maintenance organizations. As a result, they maintain a much smaller network of dental providers because DMO’s pay a set fee each month to the participating dentist you select.  DMO plans reward participating dentists who keep patients in good health and keep plan costs low. The premium for a DMO dental plan is generally the lowest of any type of dental insurance plan. Your out-of-pocket expense for dental services is also less too. However, the trade off is less flexibility because there are much fewer dental providers to choose from than traditional PPO dental plans and care must be rendered by the dentist you select.

    Scheduled Reimbursement Dental Plans

    A scheduled reimbursement dental plan pays a fixed dollar amount based on the fee schedule that appears in the dental insurance policy. This fee schedule lists a wide range of dental services and shows exactly how much the dental insurance plan will pay you for each service. Most scheduled dental plans include a deductible and calendar year maximum. Some have waiting periods for certain procedures. You are responsible for paying your dentist the difference between what the dental insurance policy pays and the amount of your dentist’s actual charges.

    Dental Discount Plans

    Discount dental plans are not insurance. They simply provide discounts for a wide range of dental services when care is obtained from a participating dentist.  Health discount plans represent a great value and alternative if you do not have or cannot afford student dental insurance.

    At healthinsuranceadvisory.org, we offer a FREE health discount plan. This program provides significant discounts on prescription drugs, dental expenses and vision services at major chains and local providers across the country. No enrollment, membership or monthly fees. Use it immediately. There are no usage restrictions and you are not required to provide personal information to get one!

    Start saving today. You will realize discounts up to 65% on prescription drugs, 25% to 40% over usual charges for dental services and 10% to 50% off eyewear, contact lenses and exams. Download and print your FREE health discount card now!

    Healthinsuranceadvisory.org can also help students find and secure student medical insurance.  Let us help you save money today!

  • International Student Medical Insurance

    Are you a student with plans to travel abroad, take a vacation or just hang out on the beach during spring break?  Did you know that  most  medical insurance plans pay very limited benefits or nothing at all for healthcare services rendered outside the United States?  It pays to read the fine print of your existing medical insurance policy to determine if you are covered when traveling beyond the United States.  So, before you head out make sure you read the Exclusions and Limitations section of your medical insurance policy.

    International student medical insurance is a special purpose, inexpensive medical insurance plan that is customizable to your needs. You choose the deductible, maximum benefit amount, duration of coverage and optional coverage.  These medical insurance plans are also referred to as:

    • Overseas Travel Medical Insurance
    • International Student Medical Insurance
    • International Travel Health Insurance

    International student medical insurance is designed to cover you if:

    • Due to an accident or sudden illness you require emergency evacuation while traveling
    • You get sick and require medical care, including hospitalization

    In addition to traveling with peace of mind knowing that your healthcare expenses outside the United States are covered, there are many other advantages to purchasing international student medical insurance.  They can also provide protection for one or more of the following events:

    • Bad weather conditions cause delay or cancellation which results in the loss of money you invested for the trip
    • You are forced to cut your trip short because of a family member at home suffers an unexpected illness or dies
    • Your luggage is lost, delayed or stolen forcing you to purchase additional clothes, essentials and/or prescription medications
    • Major flight delays force you to miss a portion of your trip or cruise
    • You lose important travel documents, leaving you stranded abroad
    • Your baggage is lost
    • You miss a flight connection
    • Your trip is delayed

    International student medical insurance plans also provide 24-hour emergency travel assistance and can help if you:

    • Lose a passport or important travel documents
    • Have a medical emergency
    • Need medical evacuation
    • Need last minute hotel accommodations

    For affordable and customizable online international student medical insurance quotes for overseas travel, remember health insurance advisory.org.  Get covered before you leave home. You can even enroll online too!

    The medical insurance premium you pay is the same as buying direct because insurance rates are regulated, so you have total peace of mind knowing that you are paying the best possible price.

    Healthinsuranceadvisory.org can also help students find and secure student medical insurance an student dental insurance.  Let us help you save money today!


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