Frequently Asked Questions
OK – here are a few answers to some of the questions we hear most often. If your question is not answered here, please send us a comment and we will do our best to answer it.
Am I covered on my parents plan? Generally, if you are under the age of 26, you may be able to stay on your parents’ plan. That’s a good option if you have a pre-existing medical condition or will be attending graduate school in the same state in which your parents live. Check with your parents’ insurance agent or provider for specifics.
Do I need health insurance? The short answer is yes. Although you are probably healthy and have not had any significant health issues, you should alway carry some type of insurance to cover emergencies and unforeseen medical expenses.
Will my school have a plan for me? Your school will likely have an insurance plan for graduate students, but some school-sponsored plans are better than others. Be aware of any limitations placed on your coverage each year and check to see if you are limited to doctors available through the student health center.
What if I don’t like (or can’t afford) the plan my school is offering? There are individual policies you can purchase from insurance companies that are designed for students. There are a range of providers who offer a variety of coverages. Shop and compare your options.
When shopping for a plan, what should I be looking for? Students should look for plans that offer minimum coverage per year (i.e., $500,000) and will have an annual deductible (lower is better but may be more expensive), a fixed amount you pay each year for services before your insurance plan takes over.
Plans should offer coverage for inpatient and outpatient services anywhere in the U.S. as well as overage for inpatient and outpatient mental health services, physical therapy and prescription drugs.