Student Health Insurance

Staying Covered While You Stay in School

Everyone knows health care is expensive. But most people don’t realize just how expensive it can get. Sure, a trip to the doctor or dentist won’t take too much out of your pocket... but just one day in the hospital can cost several thousand dollars. If you suddenly got a serious illness or injury, you could walk away with a hospital bill that will make your college tuition look like pocket change.

Not only does staying covered make good financial sense, but it’s also a requirement at many schools. Of course, if you don’t have a plan, your school will be happy to recommend one. They probably won’t mention that you may be able to find a cheaper one by shopping around.

Student Health Insurance Options

If you’re like a lot of students, you’re going to want a health plan that will leave you with some extra money for the weekend. And when it comes to affordable coverage options, there are two front-runners:

HMO plans are one of the most affordable health plans available. These plans feature a network of doctors and hospitals that provide you with care. Your cost is low, but HMOs come with restrictions. You’ll need approval from your doctor for specialist or hospital care, and you’ll be required to receive all your care from within the plan network.

PPO plans tend to cost more, but come with fewer restrictions. Like HMOs, PPO plans also have networks of health care providers. But unlike an HMO plan, you can receive care from providers outside the network and still have some coverage. Keep in mind that you’ll save more with “in-network” providers.

Before you decide which one is right for you, take the time to talk with our agents. They’ll provide you with expert advice about choosing the right kind of health plan. And they’ll provide you with competitive quotes, so you’ll get the most coverage for your money. Best of all, working with our agents is free — and you don’t have any obligation to buy anything.




Contact Us
Phone     (925) 866-1800
Fax           (925) 866-1860
American Compensation Service, Insurance Services, San Ramon, CA