Can I Stay On My Parents' Health Insurance When I Go to College?
If you are a student in college, you may be considering what your options may be as far as your health coverage is concerned. Many students in that are preparing to go to college are still on their parents' health insurance policy and most likely will want to remain on it due to the low cost or no cost to them.
This raises the question about being able to stay on the parents' health insurance policy. Is it legal to do so? It all depends on what insurance company your parents are with, but most companies allow the coverage for dependents to go up to the age of 25. Some companies may cut this off a little earlier but most companies will allow this up to this age.
There are other options for students to consider if they want to get some health coverage as affordable as possible and aren't covered by their parents for whatever reason. One option would be to try and get insurance coverage through companies that offer student discounts to kids that are in college.
Some companies let students get a considerable discount on their insurance rates because they are a student. This is something that anyone should consider if they are in college and looking to get a discounted insurance rate. It's entirely possible if you just take the time and do the research you can to help you find the best policy to suit your needs.
So, as a student you have a few options that can allow you to have insurance coverage that you may not have been aware of that can really save you some serious money over time. The most important thing that you may want to consider is what is the best way to help you save as much money as you possibly can.
It's recommended if you are a student and you have the ability to be on your parent's health insurance policy, you may want to consider maintaining that coverage as long as possible because it most likely will be the best deal you can get. If your parents are hesitant about paying for your health insurance coverage for such an extended period of time, you may want to offer to reimburse them, just to stay on their policy. You most likely will save a considerable amount of money over time by doing this.
So, the first thing a student may want to do is to investigate their options as far as what their insurance with cost with various companies and then make the decision to either by directly through an insurance company that offers a student discount or try to maintain the coverage they have one their parents' policy.
The most important thing is that they do have health insurance coverage. With the astronomical cost of medical expenses these days, it would certainly be quite foolish to be without the safety net of having some type of active health insurance.
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