One of the most important things to consider when buying full time student health insurance is price. Let’s face it, most university student’s don’t have a significant, full-time income rolling in to afford expensive premiums. Student loans and grants are only worth so much, and you’ll have to pay the latter back.
Student HMO health plans tend to have the cheapest premiums you can get for comprehensive coverage. Deductibles and co-payments are also generally affordable. On the downside, they force you to stay within their network of providers. Doing so is very inconvenient if there aren’t any doctors close to your campus, or your hometown during summer vacation. You also need to receive referrals from your primary care doctor to see a specialist.
If you’re thinking about an HMO plan, don’t get just one student health insurance quote. Have a licensed health insurance agent get you multiple quotes from several major providers instead.
