Insurance chart

Over eight million children in the US went uninsured in the period between 2004 and 2005. This should not happen because it is quite easy to buy cheap insurance for kids. The good news is that kids that are not insured can now be insured with a number of health insurance programs. These programs include Medicaid as well as the State Children's Health Insurance Program or SCHIP.

Medicaid

Medicaid is primarily an insurance plan that aims to provide protection to families whose income levels are very low. As long as a family qualifies for Medicaid, they will be able to make full use of this program which will offer coverage to, among others, pregnant mothers as well as their babies. In addition, Medicaid also provides coverage for kids aged below eighteen and in a few states; this coverage is extended to cover children aged below 21.

State Children's Health Insurance plan

SCHIP or State Children's Health Insurance Program offers insurance to those families that have uninsured children. Parents of such children who earn money that is in excess of the limits that would otherwise have helped them to qualify for Medicaid will need to look to using SCHIP that gets its funds from the federal government and not from states; though it is the latter that runs the program. What this means is that each state lays down its own set of eligibility criteria. In most cases, families with incomes of about double that of the federal government's poverty level will qualify for coverage under SCHIP. A few states even extend coverage to include adults as well.

Find a work through Health Insurance Coverage

In case of parents who are earning too much to qualify for SCHIPS or Medicaid, then the best way for them to purchase cheap insurance for kids is to take a job where health insurance coverage is offered by the employer. The only trouble with this option is that many a small business owner will not be in a position to offer required health coverage. If this is the case, then there is no other option than to purchase individual or even family insurance policies.

Major Health Insurance Policy

Unless a child is covered by some kind of major health insurance policy, their welfare would be gravely jeopardized, especially when a serious illness or injury affects them. Most health insurance policies for kids will only cover the child against serious injuries or illnesses and will not provide coverage for things such as annual checkups; such plans are in fact meant to act as a safety net against calamitous situations. Since these plans do not cover for continual wellness, they tend to be much cheaper than full insurance coverage. This is also one way to purchase cheap insurance for kids.

The bottom line is that there are several options available for purchasing cheap insurance for kids. Picking the plan that suits a family's personal circumstances is the best is the way to go.

It is only a relatively small number of students who have the luxury of enjoying coverage through scholarship or loans. The rest have to struggle to survive and will most certainly welcome a chance to purchase cheap student insurance. Though students can rely on their parents to pay for their health insurance, they might also be forced to pay for their own insurance and unfortunately, a majority of students just do not have sufficient funds to buy adequate protection. What's more, living without health insurance is dangerous, even for those who enjoy robust health. Here is how one should go about looking for cheap student insurance plans.

Use the Internet

It is much easier to find cheap student insurance online than by using traditional means such as yellow pages and classifieds. Before purchasing student insurance, be sure to find out just what is covered by an insurance plan.

Different factors

Before purchasing student insurance, whether cheap or otherwise, you should be sure to look at what is being offered by the insurance company. Does the plan, for example, allow the students to select their own physician? And how much is the annual deduction? Does the student need to fill out any forms in order to be reimbursed? It also pays to find out how much time it takes to be reimbursed and whether the insurer offers round-the-clock customer service. After being satisfied about all these issues, it then makes sense to start searching for cheap student insurance.

University's Own Insurance Plans

To find cheap student insurance, you may consider purchasing a university insurance plan that can be purchased for between 400 and 600 dollars per semester. It is also possible to purchase individual student health insurance but this may prove to be more expensive. Purchasing coverage from the International Student Organization is the best chance of obtaining the cheapest health insurance for international students.

Compass Health Insurance

Compass Health Insurance is offered to international students studying in America and this is certainly a most affordable health insurance plan. There are two types to choose from including Compass Gold and Compass Silver.

American College Student Association or ACSA

The American College Student Association (ACSA) is a non-profit organization that assists students in finding quality insurance and inexpensive health insurance options. Students who are not covered by parents, those transitioning between college and office, international students, graduate/married students and students requiring temporary insurance will all benefit from using ACSA.

Insurance for Every Aspect of College Life

Enrolling in a university is certainly a big step and so it will definitely pay to be well prepared for what lies ahead. Because students are thrice as likely to be burgled, it is important for them to purchase not only cheap student insurance, but also the most comprehensive insurance possible. This means that they must insure their contents, musical instruments and vehicle as well as consider health insurance too. This will not only provide added protection for students, but peace of mind.