| Temporary student health insurance policy is | | | | selecting any doctor or hospital; however, this |
| designed specially to cover illnesses for students | | | | freedom usually has high out-of-pocket costs. The |
| studying away from home. Temporary student | | | | Managed Care Plans, which are more restrictive, |
| health insurance gives a student short-term | | | | need a person to choose medical professionals |
| medical insurance coverage, should it be needed | | | | and institutions that are part of the plan's |
| to pay for unforeseen illnesses and injuries. | | | | ""network."" The cost for this insurance type is |
| The need of a student health plan is very | | | | normally lower than the Indemnity Plans. |
| important because while many health insurance | | | | Now, a growing trend is seen in colleges and |
| plans cover full-time college students who are on | | | | universities to require health insurance for all |
| their parent's plans, many more limit that | | | | enrolled students. With extremely affordable |
| coverage to local doctors only. And some parent's | | | | rates, the institutions offer their own temporary |
| health plans include children only up to a certain | | | | student health insurance plans, or one through a |
| age, which can exclude college-age students. | | | | local insurance source. Most college plans cover |
| Temporary student health insurance is simple, | | | | any health or accident related expenses as long |
| affordable and easy to acquire. College students | | | | as the students maintain a certain period as a |
| under the age of 30 can use this plan and the | | | | registered scholar. |
| coverage is available from 30 days to 6 or 12 | | | | A temporary student health insurance plan, |
| months. The students have the opportunity to | | | | however, usually does not cover pre-existing |
| find their own doctor or hospital. | | | | conditions incurred for the first 12 months, |
| Today, there are two basic types of temporary | | | | maternity, outpatient prescription drugs, mental |
| health insurance plans - the Indemnity Plan and the | | | | illness or substance abuse, routine physical exams, |
| Managed Care Plan with their variants. The | | | | and intercollegiate sports injuries. |
| Indemnity Plan gives a person the freedom of | | | | |