Texas State University offers a comprehensive range of student health insurance plans. Whether you are a graduate student or just a student working on your own, this university provides a wide variety of options for student health insurance. Students at this university are not required to enroll in any health insurance policies, however they are encouraged to do so. It is better to be safe than sorry, especially for students who may still be in school and have to pay out-of-pocket expenses for any health care costs that arise. The cost of health insurance at Texas State University is cheap, though, and is among the least expensive health insurance plans among colleges in the Lone Star State.
The first step when deciding to get student health insurance from Texas State University is deciding which insurance policy suits your needs. There are various student health insurance plans available to suit your requirements and financial capacity. For students, there is Health Maintenance Organization (HMO) plan, Preferred Provider Organization (PPO) plan, and Selective Service Plan. If you go with a private insurance company, most likely your insurance premium will be determined by your age, gender, medical history, health risk factors, and type of insurance plan.
HMOs are the least expensive student health insurance plans available in the market. They are recommended for students as they require no co-payments. You can also save if you choose HMO over other plans, as HMO plans require the least medical checkup as compared to other insurance plans. Also, you need to visit the Texas State University Medical Information Resource for more information about HMO plans.
A preferred provider organization (PPO) plan is also another good option for student health insurance. It is similar to HMO plan in many ways, but with higher premiums and less benefits. However, if you choose PPO, you will have more benefits such as vision care, dental care, hearing aids, and accidental death and dismemberment insurance. Your health insurance will be partially paid by your employer or if you have one, the deductible.
A PPO plan is also ideal for students. It is like a group plan for students. It gives you the freedom to choose your doctor, hospital and specialist. You will also get your own policy with a fixed premium and no deductibles. If you do not have any insurance at all, you can get a temporary insurance plan, which is designed especially for students.
Selective Service Plan is another popular student health insurance in Texas. It is very common in the Lone Star State. As the name implies, here you pay a certain monthly fee and you will be given a set amount of coverage. The cost is based on a sliding scale formula, so it varies from plan to plan. Most people prefer this type because they are given a wide variety of choices and it is easy to see what they need.
Another popular plan is the POS plan. This is often offered to employees who are part-time while they are on campus. It is easy to understand and most students get this easily. Students who use their room and board fees to pay for their health insurance should also consider getting this. You can select a few inexpensive plans from a variety of companies, compare them and pick the best one that suits your needs.
Last but not least, the Health Maintenance Organization (HMO) is another popular option among health insurance seekers in Texas. This plan is usually preferred by people who want to join a HMO, where you pay a flat monthly rate for an HMO plan. A family plan is also available in some HMOs. When you look around for health insurance, you will find that there are plenty of different types of plans to choose from. So, be sure to choose one that you feel is right for you.