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Birmingham Health Insurance Articles

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Student Health Insurance Coverage

by Kent Pinkerton

This article provides useful, detailed information about Student Health Insurance Coverage.

Many colleges have basic health insurance plans and insist that students either join them or obtain an equivalent or better coverage. In most cases, individuals over 24 years old are not covered by their parent\'s health insurance plan. Even if a student is within the age limit, the parent\'s health insurance coverage may not be available in the area where the school is located.

Insurance companies offer special health coverage plans for fulltime, undergraduate and graduate students between 17-29 years old, enrolled in a college or university and carrying a minimum of 9 credits. These are comprehensive policies, covering emergency care and surgery, inpatient and outpatient care. They are cheaper than regular, individual health coverage policies, and there are option for deductibles. A deductible is the amount of medical expenses that the insured must pay -- the insurer will pay the balance. This deductible reduces the premium. The insurance pay out could be up to $1 million.

Hospitals and doctors can be chosen by the insured. However, in most cases, the coverage for a pre-existing medical condition will be available only after the policy is one year old.

Student policies normally do not extend to spouses. The application formalities are simple, and the coverage can start within 24 hours. No medical examination is required. If eligible, acceptance is ensured. The date the policy becomes operational can be deferred if necessary for up to 60 days and can be kept alive to cover the gap between the completion of studies and employment. The policy would remain effective even if the student drops out after attending full classes for at least 31 days. During travel within the United State and Canada, the policy remains in force. Medical evacuation from other countries in an emergency is usually covered as well.

The benefits of student health insurance coverage are available to citizens of other countries studying in the United States as well

, if they meet the eligibility criteria.

ABOUT THE AUTHOR
Individual Health Insurance Coverage provides detailed information on Health Insurance Coverage, Individual Health Insurance Coverage, Travel Health Insurance Coverage, Maternity Health Insurance Coverage and more. Individual Health Insurance Coverage is affiliated with Personal Health Care Insurance Quotes.

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Birmingham Health Insurance News

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Yahoo! News Search Results for Birmingham Health Insurance
Yahoo! News Search Results for Birmingham Health Insurance

Governor to tout sales tax cut plan (The Huntsville Times)
14 May 2008 at 9:33am
MONTGOMERY - Gov. Bob Riley is taking his plan to trim the state sales taxes on groceries on the road today with afternoon press conferences in Birmingham and Huntsville.
Birmingham and Reading relegated (FOXSPORTS.com.au)
11 May 2008 at 3:57pm
BIRMINGHAM City and Reading were relegated from the Barclays Premier League after Fulham defeated Portsmouth 1-0 in their final match to seal their survival.
Council approves health insurance for uninsured children (FOX 6 News Birmingham)
6 May 2008 at 7:40pm
A program to provide health insurance for uninsured children in Birmingham won approval from the city council Tuesday. The insurance program also includes a major expansion of Children's Hospital.
Governor peddles tax plan (The Florence Times-Daily)
15 May 2008 at 8:41am
Gov. Bob Riley on Wednesday served up his compromise tax plan that would reduce the state sales tax on food but allow most Alabamians to keep the federal income tax deduction when they file their stat...
Riley stumps for food tax compromise (The Tuscaloosa News)
15 May 2008 at 8:43am
MONTGOMERY | Gov. Bob Riley on Wednesday served up a compromise tax plan that would reduce the state sales tax on groceries, but allow most Alabamians to keep the federal income tax deduction when the...
Riley outlines tax cut plan to rival Knight's (The Huntsville Times)
15 May 2008 at 9:32am
Gov. Bob Riley said his four-point tax reduction plan makes so much sense for Alabama, he doesn't understand why it's even up for debate. "Why not give them a break?" Riley said, referring to the work...
Low-Calorie Mice Outlive Exercisers (WSB-TV 2 Atlanta)
14 May 2008 at 10:35pm
Staying lean through calorie restriction rather than working out may have some benefits. At least for mice.
Health Highlights: May 10, 2008 (HealthDay via Yahoo! News)
10 May 2008 at 4:01pm
Here are some of the latest health and medical news developments, compiled by editors of HealthDay:

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Technorati Search for: Birmingham Health Insurance
Technorati search for Birmingham Health Insurance

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