When you’re healthy and rarely go to the doctors, it’s easy to forget how important health insurance is until you need to use it. One crucial point that most students forget is that they have more options than the average person when getting health coverage. Here are coverage options for college students in New Jersey.
Stay on Parent’s Plan – if you are a full-time student, you may be eligible to remain on your parent’s insuance plan. This is the easiest option since your parents will be handling the bills, but your coverage levels may not be as robust as they would be in your home state if you go to school out-of-state. Also, your parent’s health insurance could be more expensive than other coverage options.
College Sponsored Plan – Some colleges offer a health plan. Some common concerns with these plans are that they may not cover services off-campus or lose eligibility if you are a part-time student.
Student Health Plan – These plans are for full-time students, typically between 17-29 years old. The significant advantage of this plan is that the coverage will travel with you wherever you go in the US. However, it may require you to pay your premium in a single lump-sum amount, and it is not available in every state.
Individual and Family Plans – You can also purchase an individual and family health plan. Individual and family health insurance is a type of health insurance coverage available to individuals and families. It offers a range of coverage benefits depending on the actual plan you select.
Whatever you decide, make sure the plan is right for your health care needs.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.
