5 Best Health Insurance You Should Consider As a College Student

Young people rarely think about health insurance until an emergency. These unforeseen circumstances could push you into heavy debts that spill to your employment years and beyond. Without insurance, you will have to cover the bill alone, straining your limited finances further.

The assurance that you are covered in case of an emergency comes with peace of mind. You can study easily and even take risks that make college life memorable. The cost does not dent your finances because it is one of the lowest in the market.

Choosing a good insurance company is as important as having the cover. You should consider the availability of a suitable cover and the cost. Convenience in making payments is also a crucial consideration. Customer service also counts because you need a person by your side at the point of distress. Can I pay someone to write my paper and relief the stress that comes with assignments? Yes! It is one of the ways to guarantee a healthy college life.

Here are the top 5 health insurance providers for college students.

1. Cigna

Cigna is a common name in the insurance industry. It has branches around the country, making it accessible to students in all institutions. Cigna is also preferred by students because of its friendly packages and reduced cost. The availability of ACA financial support makes Cigna the best insurance provider in the students’ category.

Cigna offers a comprehensive coverage option. It means options for students with identifiable health conditions as well as those that may arise. You are sure Cigna will have your back regardless of the situation.

Cigna also offers very competitive prices. It has subsidies for students based on reasonable criteria. Preventive care is free while virtual care is highly subsidized.

Cigna allows you to sign-up for insurance online. It covers pre-existing conditions and several tiers to cater to diverse needs. It has a reputation for offering board-certified doctors on its platforms. With the experience and reputation, you are guaranteed the best cover with Cigna.

2. Aetna

Aetna recognizes the limited resources students have to bear with. At the same time, it acknowledges their susceptibility to risks. It has, therefore, provided the best coverage for catastrophic events at the lowest cost. Some of the preventive issues will be covered at zero cost.

Aetna has gone further to provide financial support and protection during medical emergencies. It is considered a smart solution for students looking for the best yet affordable cover. Because of the quality of service Aetna offers, Aetna has received an A(Excellent) rating for years.

If you need shots and screenings, you are better covered by Aetna. Its catastrophic emergency cover is one of the most popular even away from the student population. If your illness will require a hospital stay, you will be best covered by Aetna. It is considered the best cover when you need comprehensive care at a low cost.

3. Everest

Are you looking for a short-term health cover? Everest is the place to go. You can order and receive your cover instantly online. It has a wellness package that covers preventive care. The services are also not fixed to specific providers. This provides the widest coverage imaginable.

Everest is popular because of its low coinsurance and copay options. The free-look period also applies when you are covered under Everest. You have the option of multiple coverage maximums based on diverse needs.

As a short-term coverage provider, it suits the life of a student who could require cover during specific risky seasons. You reduce the cost of insurance and can go through the most trying moments without worry. You have limited options between $250,000 and $1.5 million yet the premiums are ridiculously low. Since it offers customized plans, you have full control over your premiums and coverage.

4. IMG

The plan suits international students and persons who would like to travel. It has multiple options that are also convenient for different classes. The maximum limits are reasonably high and will cater to medical emergencies in the diaspora. IMG has spiced the offer with mental health coverage as well as mental health policy.

IMG has multiple riders and coverage options to suit individual needs. The packages include coverage for prescription drugs. It is one of the best insurance packages for adventurous students.

5. School-Offered Insurance

If you are looking for a convenient and affordable option, the school-offered cover will suit you. The cover allows you to use financial aid to clear the premiums. It is offered by on-campus health facilities, making health services extremely accessible. It is always the cheapest among the packages offered to students. The packages have decent limits to guarantee adequate cover during normal emergencies.

A health insurance cover will guarantee peace of mind while in college. It shields you from heavy financial burdens in case of a health emergency. Evaluate the packages and choose a policy that guarantees excellent value for money.

Sandra Johnson

Sandra Johnson

Sandra Johnson was a few years out of school and took a job as a life insurance agent in California, selling coverage door-to-door for Prudential. The experience taught her about the technical components of insurance and its benefits for individuals and society, as well as the misunderstandings people often have about insurance. She has over ten years’ experience in the insurance industry, having worked as both a Broker and Underwriter, assisting clients across a broad range of industries. At Insurance Noon, Sarah diligently gathers all the required information and curates up pieces to provide meaningful insurance solutions. Her personal value proposition is to demonstrate a genuine interest in always adding value for clients.Her determined approach to guiding clients has turned her into a platinum adviser to multiple insurers.

Insurance Noon is the world's leading source of insurance related content on the web, focusing on industry news, buying guides, reviews, and much more.