Come December, and some college students are trying to switch colleges. Some subsidized health insurance for college students is valid only in the state that the college is in, and coverage outside the state is limited. However, some student insurance plans, especially those purchased independently, offer a wider coverage throughout the country. A student will then be covered under the same insurance policy, and need not go through another application process.

Health insurance for college students is especially useful for those who enroll in college after a few years of graduating from school, and their parents’ health insurance plan ceases to be effective. It is also useful if the college or school is outside the student’s current HMO/PPO region.

Coverage is typically like a long-term health insurance plan, and covers regular check-ups and scheduled visits to the physician. However, all types of dental care may not be covered under all student health insurance plans. While a student, insurance is the last thing on one’s mind.

However, it is important to be covered adequately, as any mishap during college can be devastating not just on the pocket and mind, it can also be disastrous on the mind, unless college student health insurance covers most of the costs.