Student health insurance - tips for accessing and using health insurance

Health insurance can be a complicated and confusing subject. Many health insurance plans are available with all sorts of varying coverage, exclusions, deductibles, co-pays, and so on. Following are generally accepted tips for accessing and utilizing any health insurance plan.

• Carry your insurance plan card(s) with you at all times. You may have more than one card for your medical plan, prescription plan, dental plan, and so forth.
• Carry some form of photo identification with you at all times.
• Review your health insurance benefits before you need them. By doing so, you will know what to expect at the time of need.
• Review your health insurance plan limitations and exclusions before you need the coverage. Again, this will help you know what to expect at the time of need.
• Know your deductible amount.
• Know your co-pay amount.
• Know your stop loss amount.

For a detailed list of definitions of insurance terms, follow the "Insurance definitions" link on the Pearce & Pearce Web site.