Sadly, accidents occur frequently at schools across the country. This is why it is important to take the necessary precautions that will ensure you and your loved ones are protected if an unexpected accident occurs at school. However, there are a lot of misconceptions about student accident insurance policies out there. In this blog, we explain 3 myths about student accident insurance.
Myth #1: I Don’t Need Insurance
An accident can happen at any time, anywhere. You can’t predict when an unfortunate situation will occur, so don’t leave your health or your financial future up to chance. Keep in mind that student insurance is specifically designed to help you find a doctor nearby and help cover some, if not all of the expenses associated with your visit. Without student insurance, you will be liable for the the total cost of your medical bills.
Myth #2: I’ll Just Purchase Insurance When I Need It
Insurance is supposed to protect you against future events. Most plans don’t cover accidents that you had before the date your insurance plan starts. To use a simple analogy, you can't buy car insurance to pay for an accident you've already been in. Student health insurance works the same way, so get it before you actually need it.
Myth #3: All Health Insurance Plans Are the Same
False! No two insurance plans are exactly the same. There are different types of student insurance plans and each comes with different prices and types of coverage. While you might wish to find the most affordable plan, it is even more important to make sure you’re the plan you choose covers everything you might need. Keep this in mind when choosing your policy.
At Insurance Specialists, Inc., we offer insurance policies that are available to all enrolled students, faculty, and administration staff at participating schools. Contact our Atlanta team of insurance administrators to find out how we can assist you today.