2008 Woodie Awards
Buying student insurance secures health, living
Adriene Similton
Issue date: 4/18/08 Section: News
Preparing for the unexpected can be difficult. Many students forget the idea of insurance among the stacks of books and accumulating homework. When the time comes, however, for a routine check up or getting those wisdom teeth removed, having a plan is a must.
Some full-time student may fall under the category of a dependent. If so, that student could be covered by his/her parent's insurance plan.
Don't be fooled, however. Coverage for dependants is often limited. According to Kelly Montgomery, writer for The New York Times Company, "Some insurers allow dependent children to remain on their parents' health insurance plan for as long as they are full-time students.
"Other insurers have age limits: for example, with some plans, dependents over the age of 22 get booted off the plan, regardless of their student status," Montgomery said.
The best bet is to look up campus insurance opportunities. Some HMO providers can be found on some college campuses.
Kansas Wesleyan University is not one of those schools.
Instead, KWU provides only a secondary
form of insurance coverage.
"If hospitalized for at least 18 hours or injured due to a school related activity, one might fall under this coverage," said Chad Shriver, head athletic trainer.
The Student Life office does, however, provide a few brochures on outside insurance companies.
Several online information providers
make it easier for students to afford the improvement and safe-keeping of their health.
Studentfinanacedomain.com, for example, gives in-depth information about how to avoid insurance scams and apply for student health coverage.
Others suggests that all students look not only into health insurance, but also, renters and car insurance, two types of insurance that are often forgotten.
Some full-time student may fall under the category of a dependent. If so, that student could be covered by his/her parent's insurance plan.
Don't be fooled, however. Coverage for dependants is often limited. According to Kelly Montgomery, writer for The New York Times Company, "Some insurers allow dependent children to remain on their parents' health insurance plan for as long as they are full-time students.
"Other insurers have age limits: for example, with some plans, dependents over the age of 22 get booted off the plan, regardless of their student status," Montgomery said.
The best bet is to look up campus insurance opportunities. Some HMO providers can be found on some college campuses.
Kansas Wesleyan University is not one of those schools.
Instead, KWU provides only a secondary
form of insurance coverage.
"If hospitalized for at least 18 hours or injured due to a school related activity, one might fall under this coverage," said Chad Shriver, head athletic trainer.
The Student Life office does, however, provide a few brochures on outside insurance companies.
Several online information providers
make it easier for students to afford the improvement and safe-keeping of their health.
Studentfinanacedomain.com, for example, gives in-depth information about how to avoid insurance scams and apply for student health coverage.
Others suggests that all students look not only into health insurance, but also, renters and car insurance, two types of insurance that are often forgotten.
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