Student health care coverage is something that you need to think about, whether it’s for you or your child. There are many different options in the marketplace, and you want to make some comparisons so that you are not accidentally overspending by hundreds of dollars a year in premiums.
One of the first things you need to do is read the fine print from your college or university. Many colleges throughout Texas and beyond are beginning to offer health care, and they are adding it into the tuition. This can be several hundred dollars per month. It can be eliminated if you can show that you have a policy from elsewhere.
You can also choose to keep a student on the family health plan. The only caveat to that is that the network of doctors may be local and your student may be elsewhere. This means that there may be a higher deductibles and co-pays because the doctors are out of network.
You can also choose to get an individual plan, which allows you to focus on the type of coverage that you want. The added benefit to go in with such a plan is that you are covered all year long as opposed to just during the school year.
Regardless of what option you choose to go with, you will want to look at the health care coverage. This includes looking at the cost of the deductibles and co-pays, as well as what it covers. You will want to find out what the lifetime coverage cap is and if the plan covers dental, vision, as well as reproductive health benefits.
At Allegiance Insurance Agency, we’re here to help you find student health care coverage. Call us today and learn about some of the options that you have in Plano, Texas.