While those on Capitol Hill continue to debate the pros and cons of the proposed national healthcare
plan, community college students need to find affordable options for health coverage today. Most community colleges offer or even mandate health coverage plans for qualified students – but are these plans a good choice for your health and pocketbook? In fact, depending upon your specific community college, enrolling in your campus’ health insurance plan could save you $1000 or more annually!
Community College Health Insurance vs. Individual Policies
Community colleges are able to offer their students group policies, which typically translate into more affordable premiums and better coverage than individual health insurance policies. However, just how much can you save by opting for your community college’s coverage?
Some states leverage a large number of their community colleges to provide their students with the best health insurance rates. For example, the Community College League of California
(CCLC), which currently has 69 campuses in its league, allows students to purchase health insurance at $88 per month.
In evaluating CCLC’s insurance benefits
, the policy is a PPO with a low yearly deductible of $250. While there is a maximum lifetime benefit per each accident or sickness of $50,000, the other benefits are very comprehensive. For example, the policy pays for 100% of ambulance service and 80% of most medical services, and the co-pay for a standard doctor visit is only $25.
If a non-smoking male California student between the ages of 18 - 22 was to obtain the same type of health insurance...read more