As a student, you have to be conscientious about student health insurance. It is required under the Affordable Care Act, though you have options so that you don’t have to spend a significant amount of money on a policy.
One of the first things you need to know is that there are multiple places for you to get student health insurance. It may be offered by your school, you may be able to stay under the plan of your family, and you may also the able to get it on your own through an insurance company in Oklahoma.
If you decide you are going to get it from your school, look at how much they are going to charge you for it, and it may even be encompassed within your tuition already. If you do get it from your school, be sure that it provides you with coverage for the entire calendar year, not just the semesters.
Additionally, when you look at health insurance, there may be some exclusions within your policy. This can include such things as:
- Hospital room charges
- Home health care
- Alternative treatments
- Claims made within first 30 days of coverage
You will also want to look at deductibles and co-pays as this is going to impact how much you spend out-of-pocket.
As a student, you may be in good health, but you want to make sure that you stay in good health. Be sure that you are exercising preventative health measures, eat well, and get plenty of rest. The college years can be difficult and you don’t want to lose some of your insurance options because of drinking, sexually-transmitted diseases, or anything else.
At Moon – Baker Insurance Agency Inc. we have knowledgeable independent insurance agents to help you discover the health insurance options that you have as a student in Oklahoma. Call today and learn more about how we can assist.