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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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 May 18, 2010
Sometimes they do; a medical history is likely, a physical not impossible. It really depends on the company but such requirements do exist with many companies. Before picking up short term, temporary insurance, you might want to check and see whether or not you can be added to your parents’ insurance for the time you are not covered. Most employer sponsored group coverage will cover a college student with proof of student status, even during the summer breaks. Over the course of the next year, the new health care laws will require that you have access to coverage on your parents’ policy but at the moment, it is still dependent on the plan document.
If your parents do not have access to a plan that will cover you, then you might want to see what kind of short term policies are available and whether or not they are cost effective for the short term.
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