Victor Said:

I'am a student, please help choosing health insurance plans...?

We Answered:

Try this site,

http://cheap-health-insurance-rate.info

Here you can get free quotes from different companies in your area

Andy Said:

Any body help me, I need a clear knowledge about student health insurance plan?

We Answered:

https://www.uhcsr.com/

Jerry Said:

What should be the best student health insurance plans?

We Answered:

The university may offer something. The cost of individual policies varies from state to state; you can see the prices for your location at http://www.ehealthinsurance.com if you enter your ZIP code and approximate date of birth.

Deanna Said:

What factors should I consider when I am choosing a student health insurance plan?

We Answered:

From http://www.HealthInsuranceForStudents.com

Consider the following factors:

* How much does the plan cost per year?

Student health insurance plans offered by schools generally range from as low as $200 to more than $2,000 per year. Importantly, the cost of the plan does not always correlate with the quality of the benefits.

* What are the plan’s coverage limits?

Some plans have overall monetary caps or limits on particular types of services that are far too low to protect students if they become seriously ill or have an accident. While the new federal health care law places new restrictions on lifetime and annual aggregate coverage caps for “essential health benefits,” as defined in forthcoming regulations, be sure to review any plan that you are considering to determine what coverage limitations are included for particular types of coverage. If your school-sponsored plan does not provide an adequate amount of coverage, you should consider other insurance options as outlined above in no. 1. In addition, if your school’s plan has inadequate coverage, you may also want to make a request to your school that the school switch to a more comprehensive plan.

* Does the plan cover prescription drugs?

Make sure that you choose an insurance plan that offers a high enough prescription drug benefit to cover your needs. In general, the benefit should cover, at the very least, $1000 per year. You can reach that amount with just a few prescriptions, particularly if your doctor prescribes a drug which does not have a generic alternative.

* Does the plan exclude coverage for pre-existing conditions or for illnesses or injuries common to students?

Some plans exclude coverage for pre-existing conditions. Starting in 2014, the new federal health care reform law prohibits exclusions for pre-existing conditions. Some school-sponsored plans also exclude coverage for other types of illnesses or injuries that are relevant to a student population. Many student health plans have other exclusions which may be unlawful or otherwise improper1. If your school-sponsored plan excludes pre-existing conditions or includes other improper exclusions, you may want to consider other options. You also may want to request that your school switch to a plan that does not exclude these conditions.

* Are in-network doctors available in the locale where I will be attending school and when I return home for vacations?

Another factor you should consider when assessing a plan is whether in-network doctors are available in the locale where you will be attending school and in the locale where you reside during vacations from school, including summer vacation. If you will need to go out-of-network either when you are at home or when you are in school, you should factor in the benefits available for getting out-of-network treatment.

* Is the policy a good deal?

Even if a plan has acceptable coverage limits and doesn’t have exclusions for coverage, the plan could still be too expensive for what you’re getting. How can you tell? The best measure of this is something called the loss ratio, i.e. what percentage of the premiums paid to the insurance company are actually paid out in claims.

Ask your school or the insurer offering the plan what the target loss ratio is for the school-sponsored plan Under the new health care law, starting in 2011, insurers will have to spend at least 85% of every premium dollar on medical care. If they don’t, they have to rebate the difference to consumers. If the school-endorsed plan does not currently have a target loss ratio of at least 85%, it is not a good deal for its students.

Bryan Said:

Should I waive my student health insurance plan that keeps rising?

We Answered:

How much money will lose if you get sick?

And it's possible to get sick really quickly and easily in ways you never expect.

That's why you should keep your health insurance plan (unless you are adequately insured under one of your parents' plans).

Clifford Said:

What is the cheapest student health insurance plan?

We Answered:

If you are in college, you may want to check out health insurance programs that are written through your school. United Healthcare has a plan available at many US schools. These student injury and illness plans provide wide ranging coverage and are designed to be affordable for college students. To check if your school is participating, go to www.UHCSR.com and enter your school name in the search box. You might also be interested in joining the American College Student Association (ACSA), a national organization for college students. They have lots of member benefits, including student health insurance. Their membership fee is affordable.

If you are in grades K-12, United Healthcare offers "kids only" health insurance plans that provide children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan is designed to be affordable, at just $98 every 2 months. Check out www.k12studentinsurance.com to see if your child's school district (or private school) is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name and the state in the search box and review the plans.