Why Short-Term Medical Insurance is a Great Option for College Students

​The start of the school year is upon us, and for many college students, especially those living away from home for the first time or participating in sports, securing adequate health insurance can be a significant concern. But short-term medical insurance can be a flexible solution for addressing temporary health needs during the academic calendar. Here's why:

Key Benefits for College Students

Affordability
Short-term medical plans are often more cost-effective for parents or young adults paying their own way when compared to traditional health insurance. This can be particularly beneficial for students who may have limited budgets and need coverage without breaking the bank.

Flexibility
Until August 30, 2024, short-term medical insurance can be an option for one month, up to nearly a year, depending on state availability. This flexibility is perfect for students who only need insurance during certain times, such as while they are away from home or during athletic seasons. On Aug. 31, 2024, additional short term medical duration options will be available. 

Immediate Coverage
Short-term plan effective dates are available as soon as the next day, providing students with immediate health insurance coverage. This is crucial for first-time students in the flurry of paperwork who need insurance to finalize the registration process.

Broad Network Access
Most short-term medical insurance offers open access to any doctor without network restrictions, ensuring students can receive care from reputable doctors and hospitals, regardless of their location.

Customizable Plans
Students can choose from various plan options to fit their specific needs, such as a variety of deductibles, coinsurance and doctor office copays to best align with their personal health needs and budget.

Coverage for Unexpected Events
For student-athletes who may be subject to injuries on the field, short-term medical insurance provides essential coverage for unexpected athletic injuries while students are away from home.

​Ease of Enrollment
Applying for short-term medical insurance can be completed online in about five minutes or less. This ease of enrollment can be particularly advantageous for busy parents or college students who might be overwhelmed with other responsibilities.

Short-term medical insurance can offer college students a practical and flexible solution for their health coverage needs. Whether they are away from home for the first time or engaged in rigorous athletic activities, these plans can provide essential protection and meet the standards required by a university.

​Contact your agent representative to learn more about offering short-term medical insurance as an option for employees with college-age dependents. 

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This blog was provided courtesy of Pivot Health by Healthcare.com.