Nowadays, there is a vast increase of medical care cost. Along with this is a substantial need for health insurances. Today, it is not economical that people do not have health insurances. Though health insurances can somehow be costly, the benefit and relief it gives to people is relentless.

Parents perhaps, who have a child going to college, will make a list of possible things their child might need when studying on universities or colleges. This might include tuition fee, board and lodging fee and miscellaneous. But don’t you consider applying them for a health insurance a need?

Usually, health insurances acquired by parents through their work have coverage for their children until the age of 24 neglecting the fact whether the child lives with his/her parents or not. Nonetheless, other schools have college health insurances that are added on their tuition fees. In this way, parents don’t have to worry about buying a health insurance policy for their child.

Always bear in mind that college health insurances are not free of charge. The benefit you’ll gain from it differs depending what college are you into. The college committee heads responsible in arranging health benefits for their students meet with the insurance companies in order to derive a proposal intended only for the specific needs of their students.

Students then can go to “health centers for college” to acquire free services such as office visits and physical check-ups. Laboratory works such as x-rays, physical therapy and treatment procedures may have a corresponding cost. Additional covered services such as pelvic exams, HIV testing, cholesterol screening, infant care and child wellness care are also included on some college plans.

If you have to attend on special medical needs, you have to determine first whether your college health insurance can cover your medical expenses. This will determine if you will need a different health insurance policy or not.

Scrutinize your college health insurance. Ask these questions and if your health insurance has an answer for all of this then you are left with no worries!

• Is your college insurance policy a HMO or can you use whichever provider?

• Does your college health insurance requires an authorization letter for every emergency visits?

• What are the stages to undergo for the coverage of possible emergency incidents?

• Do emergency incidents which took over during summer vacations covered?

• Does the health insurance offer the most competent health treatment facilities?

• Which services are of free of charge?

• Which services are of low cost of charge?

• What kind of pre-existing health condition is excluded?

• Is the cost for the college health insurance makes a high percentage of the tuition fee?

As the saying goes “health is wealth”, you (as a parent) have to ensure the wellness of your child. Your child who is going to college may require him/her being away from you. Therefore, you can not monitor his/her health condition. Ensuring his/her health benefits will somehow lessen your worries of future health problems that he/she might encounter.

You, as the college student, have to make use of your health benefits. Always remember that you have already paid for it. Therefore, never neglect whatever physical illnesses you’re encountering or feeling. College health insurances are given to ensure your wellness especially now that you’re taking your step on being independent from your parents.