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Student Health Insurance in Florida

It is a decision that is incredibly hard for Florida families to make. Once a child turns 18 and goes off to school, do you keep them on your primary plan as a dependent or do you find them a lower cost, possibly lower benefit plan that can still provide adequate coverage?

The state of Florida recognizes this dilemma and allows children of legal age to decide what plan is best for them, staying with their parents or apply for a student plan. Some of these plans come directly from universities. Usually the plan is provided via a private insurance company and is an inexpensive, yet lower coverage plan than most individual health plans.

The thinking behind this is that students are young and resilient and less likely to need the on-going or preventative care that adults twice their age may need. The best thing to do when making this decision is gather all of the information you can about the university’s health plan and what their exact coverage is. If the coverage is that minimal, it may not be worth the risk or cost.

Some plans offer more expensive rates, but better coverage with no pre-application health questioning. Only full-time students can apply but it will last you up until you are ready to retire. Still the coverage is not as comprehensive as an individual PPO plan.

However, these plans are available to students, and some may even be less expensive to purchase as a single plan than to be added on as a dependent. These plans allow students to choose from a network of doctors across the state of Florida and provide more protection than university supplied plans. With some PPOs, students will get a financial break if their health remains good.

So as a student you have many options when you go away to school. Discuss as a family what may the best option both financially and coverage-wise.

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