How to Qualify for a Student Health Insurance Program

Being properly insured during your college years is very important. Most college students cannot afford to pay out-of-pocket expenses for health-related emergencies, but having health insurance is necessary and required by many colleges and universities prior to enrollment. Depending on your age and enrollment status (full-time or part-time), you may be eligible for coverage under your parents' health insurance. Insurers also offer health insurance plans for college-age adults. Even though it's an added monthly expense, it's necessary to help protect your health and financial future.

Instructions

• 1

  Find out if you can stay on your parents' health insurance plan if you're a full-time student under the age of 22. You will need to show proof of your enrollment in a college or university to qualify. A student tuition bill or a copy of your student schedule is usually enough for most health insurance companies.

• 2

  Ask your employer if you qualify for health insurance. Some employers offer health benefits to those working part-time as well full-time.

• 3

  Research health insurance plans offered by colleges and universities. If you're over 22, you probably aren't eligible for coverage under your parents' health insurance policy. Many colleges and universities offer semester or yearly coverage to both full-time and part-time students. You may have to pay for a full semester's coverage upfront or you may be able to pay monthly. Contact the university registrar or student affairs office for more information.

• 4

  Research health insurance plans offered to students by insurance companies. Most insurance companies allow you to apply online. Policies vary in terms of coverage, so carefully examine each one before making your selection.

• 5

  Renew student health insurance each school year to ensure that you will be properly covered.