Student Health Insurance Quote - Important Questions to Ask
By Elizabeth Newberry

If you are looking for a student health insurance quote, it is important to remember that questions about your rates are not the only questions you need to ask. Yes, prices are always important, especially for full-time college or university students; however, you need to be aware of the exact health coverage you will be receiving for the price you are paying. Print out the following questions to ask the health insurance provider when you call for your student health insurance quote.

1. Am I going to be able to use any provider, or is an HMO required?

2. Will I be covered for visits to the emergency room without getting approval first? What are the necessary steps that I must take in the event of any emergency health situation?

3. Will I have access to low cost or free health coverage at an on-campus clinic?

4. Are there any pre-existing conditions that are excluded from the health coverage?

5. Will I have health coverage during the summer months? What if I am not enrolled in classes during the summer months?

Keep in mind if you have children or other dependents, getting a student health insurance quote may not be the most practical choice for you. You may find better options with a group health insurance plan (offered through your employer or an association with which you are affiliated) or with an individual health insurance plan. If you are still covered under you're a parent's health insurance plan, you may not be interested in purchasing a student health insurance plan; however, sometimes simply getting a student health insurance quote may prove to offer more affordable, or even additional, health coverage. Shop around and research several companies from which you can purchase student health insurance. For a full-time college or university student, every penny counts. Make sure you are getting the best health coverage for you at the most affordable price.

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