Consider Your Specific Needs
If you are currently under treatment for a pre-existing medical condition, it is important to know how the different student health insurance plans will provide benefits for this specific medical condition. As mentioned previously, some health insurance policies will place exclusions on the treatment of pre-existing conditions. In this case, you will need to cover the full costs of any medications or office visits associated with the treatment of this condition. If you are currently insured under a different health insurance policy, your new student health insurance plan may consider this fact and not exclude treatments for your medical condition. This should be clearly outlined in the Exclusions and Limitations section of the health insurance brochure you received when getting your quotes on different health insurance options.
If you determine that your selected student health insurance policy will provide benefits toward pre-existing conditions, you will also want to determine if there are any limitations associated with treatment of this medical condition. One of the more common pre-existing conditions with associated limitations is depression. Many health insurance policies may place annual limits on psychotherapy treatments for mental disorders. If your mental condition is severe, you may want to search for a health plan that has the fewest limitations associated with the treatment of this illness. If your specific condition is not specifically listed in the Exclusions and Limitations section of the plan brochure, it is most likely treated like any other illness and does not have specific limitations associated with it. If you are uncertain by reviewing the plan details, contact your insurance agent or the health insurance company for clarification.
If you are currently married and planning a family, maternity benefits may also be an important factor worth considering. Depending on the state in which you will be residing, you may find it difficult to find a health insurance plan that offers maternity benefits. This is a benefit that is most often associated with employer sponsored group health insurance, which should be made available to you after you graduate from college and gain full-time employment. Some individual health insurance policies may offer supplemental maternity benefits, but these can usually be very costly and may not make financial sense unless a pregnancy is in your definite plans.