Student Health Insurance in Illinois
Some of the finest colleges and universities in the world are located in Illinois. Add that fact to the vibrant nightlife and music scene in the Chicago area and the recreational opportunities on Lake Michigan, and it is a ‘no-brainer'; that students are drawn to this area. However, this exciting time in a young person’s life is also a time when many are no longer covered by the family’s health insurance. With a little planning, students and their parents can rest comfortably knowing that there are affordable health insurance products specially designed to care for the needs of this age group.
Request a quote through Illinois Health Plans
Illinois Health Insurance Information for Students
Illinois students should be aware of the following when shopping for a health insurance policy:
- Is comprehensive health insurance necessary?
Many students are covered by the family policy until they reach a certain age, as long as they are taking a full time class load. Other students are older or have part-time loads and work. - Does the school offer a student health insurance plan?
Most colleges and universities have a student health clinic to treat minor illnesses. This type of student health coverage is affordable. - Will the student need coverage for participation in a sports program?
Special sports coverage policies are available through many schools if the student participates in college sports. These policies should include travel to and from a competition. - Is travel to and from the student’s home covered?
Travel coverage is important, especially if home is in another state. Also, special health coverage should be considered for study abroad.
Options to Consider for Student Health Insurance:
- HSA with a high deductible: Covers the student in an emergency. Paired with a health savings account for out-of-pocket medical expenses, this type of policy works for a young, healthy person. Minor medical needs can be attended to at the student health center.
- HMO: A managed health care plan that lets a primary care doctor guide the student’s health choices. Policies focus on preventive care and have low out-of-pocket costs. This is a good option if the student can choose a primary care doctor near school.
- PPO: A managed health insurance plan will give a student the freedom to choose treatment both in and out of a preferred network, including during trips home.
