I am a college student who is not covered by student health insurance during my summer break. Does it make sense for me to pick up short-term, temporary health insurance? Do they require a medical history and physical?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 10, 2010

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Insurance Question from Miami, FL

Asked on 05/10/2010

I am a college student who is not covered by student health insurance during my summer break. Does it make sense for me to pick up short-term, temporary health insurance? Do they require a medical history and physical? NULL

Answer given on June 03, 2010

The O.P. doesn’t state whether or not they have any specific condtions that would preX them from an individual policy, which is something that should be their first option if available to them.

If you can get an individual policy, you shouldn’t need to be covered by the school’s policy.  Filling out an application for an individual policy can be a bit more lengthy in terms of time and effort, but it is usually well worth it. There isn’t a physical exam.

Depending on what arrangement your parents employer’s have with regards to adding children, it can be more of a financial burden to your parents or employer than it’s worth.  For instance, it may cost several hundred dollars a month to add you to their plan.  And on your own, you could get something for far less than that, probably in the $50 to $60 a month range.  But, you have to understand what you are buying so that it makes sense to you. 

As far as whether or not to pick up SOME type of plan, if you get sick or have an accident without insurance, it can be expensive or it can be cheap.  But, in the long run, if something happens over the summer and you have no insurance to cover it, chances are it WON’T be covered by your school insurance when you go back ( HIPAA ).  If you go more than 63 days without coverage for a specific condition or event, it can be pre-x’d from your coverage when you get back to school.


Do you have any medical conditions or take any long term medications?  If so, what for?  Some things are automatic declines for individual insurance and other things are a pass.

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