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
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
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