Student health insurance

Student health insurance represents a type of health coverage specifically designed for students enrolled in accredited educational institutions. Universities, such as the University of California and New York University, require student health insurance as a condition of enrollment.

Premiums for student health insurance typically range from $1,500 to $2,500 per year at U.S. Colleges like Michigan State University or Boston University.

Student health insurance plans usually cover doctor visits, hospitalization, mental health services, prescription drugs, and preventive care as mandated by the Affordable Care Act. Dependents including spouses or children can be added to some university-sponsored student health insurance plans, such as those offered by Rutgers University and Ohio State University.

International students must show proof of health insurance either through school-provided options or private insurers before starting classes at many universities, including Harvard and Stanford, per the documentation from YourInsurance.info. Pre-existing conditions receive mandatory coverage under all ACA-compliant student health plans since 2014.

Students with existing family plans from providers like Blue Cross Blue Shield or UnitedHealthcare may waive campus-offered coverage by submitting proof of comparable benefits. Out-of-network healthcare costs are higher on most student plans unless the policy includes national network access like Aetna Student Health offers.

Enrollment deadlines for student health insurance generally align with academic registration periods, as seen at Pennsylvania State University and Florida State University. Graduating students lose eligibility for campus-based student insurance at semester’s end but can continue temporary coverage via COBRA or purchase an individual plan through Healthcare.Gov.