dcsimg
You are here:

Options for Health Care While in College

If you're making the leap from high school to college, or going to school later in life, health care and related insurance coverage are likely big concerns. Your parents may drop you from their plan when you turn 18. Or, if you're older, you may quit your full-time job to attend school and, therefore, lose your health insurance benefits. The circumstances that apply to your and others' situations may differ, but the common element is the dilemma about what to do for health care while in college.

Options for Health Care While in School

  • Health care insurance through the school. Your school might offer health insurance through its own private program. The prices and coverage can vary widely, depending upon the school and the plan you choose. Many of these programs are for preventative care only, and give you the opportunity to use the clinics located on your campus for the best savings.
  • Private insurers. Individual insurance plans, such as those through Blue Cross/Blue Shield, MetLife, and Aetna, can vary widely in cost depending on your age, health status, and other factors. Private insurance can be affordable if you are in excellent health. However, those with pre-existing conditions such as diabetes, high cholesterol, or high blood pressure might find that the rates for private insurance are too expensive to purchase.
  • Taking advantage of COBRA. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows you to extend insurance coverage for a period of time after termination of your employment. There are several criteria for qualifying for COBRA. If you do qualify, your premiums might be very expensive. Because of this expense, it is often seen as a short-term solution.
  • Short-term health insurance. Short-term medical insurance typically lasts for less than a year. Plans can be paid monthly in most cases, and you can choose the insurance coverage you need, including the plan maximums and what they will cover, such as preventative care or emergency room visits. This is often a good substitute for those who don't want to pay the high cost of COBRA.
  • State insurance programs. All states participate in the Medicaid program. If you are in a low-income category and meet other criteria, such as certain health conditions (blindness, pregnancy, etc.), you might be eligible for Medicaid. Check with your state's Department of Human Services office to determine if you qualify for its program.
  • No health insurance at all. Though being uninsured is taking a huge risk on your health care and stability of your pocketbook, it is the cheapest option and a reality for many people. If you are unable to obtain health insurance, look into free or sliding scale-fee clinics, doctors who accept payment plans, and charity hospitals willing to work with you to provide the health care you need.

The world of health insurance can seem daunting, especially when you start initial research and find yourself bombarded with quotes from dozens of competing programs. Take your time researching the options that will be best for both your personal health and your bank account. Start the search early, for example, before you step away from your full-time job to pursue education. The sooner you prepare for the transition, the more likely you can avoid a lapse in insurance coverage.

Search Schools

      
Matching School Ads
  • Capella University

    The world of health care is changing rapidly - will you stay ahead? Explore degree options at Capella University.

    Programs

    • MS - Sex Therapy
    • MS - Health Care Security
    • MSN - RN-to-MSN Care Coordination (CCNE-accredited)
    • More...

    Location: Online

    Capella University Request Info »
  • Northcentral University

    Earn your graduate degree online with Northcentral University.

    Programs

    • PhD - Addictions
    • PhD - Gerontology
    • PhD - Trauma and Disaster Relief
    • More...
    Location:
    San Diego: 2488 Historic Decatur Rd., San Diego CA 92106
    Northcentral University Request Info »
  • Jacksonville University

    The University

    With over 80 years of academic achievements, Jacksonville University is a traditional, longstanding institution consistently ranked by U.S. News & World Report as one of America's best colleges.

    Programs

    • MSN Leadership in Healthcare Systems
    • MSN Clinical Nurse Educator

    Location: Online

    Jacksonville University Request Info »
  • Miller-Motte College

    Start the next chapter of your life with an Associate or Bachelor degree from Miller-Motte College Online Division.

    Programs

    • Allied Health Management - Bachelor of Science
    • Medical Billing and Coding - Certificate

    Location: Online

    Miller-Motte College Request Info »
  • Logan University

    Logan is a non-profit university founded in 1935. Logan University has remained grounded in chiropractic education, while continuously enriching academic options with degree offerings in health sciences since 2012.

    Programs

    • Doctor of Health Professionals Education
    • Master of Science - Sports Science & Rehabilitation
    • Master of Science - Nutrition & Human Performance
    • More...

    Location: Online

    Logan University Request Info »
  • GWU-Pub Health

    MPH@GW is the online Master of Public Health (MPH) from the Milken Institute School of Public Health at the George Washington University.

    Programs

    • Executive Master of Health Administration
    Location:
    Washington: 2121 I St NW,, Washington DC 20052
    GWU-Pub Health Request Info »
  • Grand Canyon University

    Do you aspire to fulfill an evolving healthcare role as a highly-qualified nursing professional? Apply to GCU!

    Programs

    • B.S. in Health Sciences: Professional Development & Advanced Patient Care
    • Doctor of Nursing Practice with an Emphasis in Educational Leadership
    • M.S. in Nursing with an Emphasis in Leadership in Health Care Systems (Bridge)
    • More...
    Location:
    Phoenix: 3300 W Camelback Road, Phoenix AZ 85017
    Grand Canyon University Request Info »
  • University of Saint Mary

    Grow Your Career with the University of Saint Mary

    Programs

    • Bachelor of Science in Health Information Management
    • MSN: Nursing Education Specialization
    • MSN: Nursing Administrator
    • More...
    Location:
    Leavenworth: 4100 S 4th St, Leavenworth KS 66048
    University of Saint Mary Request Info »
  • Liberty University

    100% Online & No Standardized Testing

    Programs

    • Master of Science in Nursing: Nursing Administration
    • Master of Science in Nursing: Nurse Educator
    • MS in Exercise Science: Nutrition
    • More...
    Location:
    Lynchburg: 1971 University Blvd,, Lynchburg VA 24515
    Liberty University Request Info »
  • Keiser University Graduate School

    Since 1977, Keiser University has maintained a practical, hands-on approach to career education to help our students achieve their personal and professional goals.  Our student-centered approach remains at the foundation of the Keiser University mission and continues to attract students who prefer a more personal learning experience.

    Programs

    • Doctor of Health Science
    • Master of Science in Nursing
    Location:
    Fort Lauderdale: 1500 W. Commercial Blvd., Fort Lauderdale FL 33309
    Keiser University Graduate School Request Info »
  • Matching School Ads

    Quick School Search

    College & Career Search Tools

    • Careers: Unsure about your career path? Study profiles of hundreds of professions.

    • Interviews: Professors and deans sit down with our team to give you unique insights on college life.

    • Military Education: Find only Military friendly online schools and campuses.

    • Student Reviews: Know before you go. Read student reviews on over 2000 accredited colleges. Write your own experience.