What are my options?
A Quick Guide to Finding Your Own Insurance
Finding insurance can be a hard and confusing process. Below is a quick guide of things to consider if you decide to find your own insurance rather than using the Lincoln University Student Health Plan. You can do a search for "individual college student health plans" or you can go to http://www.ehealthinsurance.com/individual-family-health-insurance (Lincoln University does not endorse this website. Use information provided on the website at your own risk) :
Health Maintenance Organization (HMO) - A plan where you must choose a Primary Care Physician (PCP), and only pays for "In-Network" health care. The plan does not pay for "Out-of -Network health care.
Preferred Provider Oraganization (PPO) - A plan where you may use any doctor or health care facility, but the plan pays more for "In-Network" health care. The plan pays for "Out-of-Network" health care, but not as much.
("In-Network": A list of doctors, hospitals and clinics that the insurance plan will pay for.)
Deductible: The amount of money you pay before the insurance company will start paying (Look for less than $1,000)
Co-Insurance: The amount of money you have to pay on your total health bill after the insurance has paid (Look for anything less than 30%)
Office Visit: The amount of money you have to pay every time you go to see the doctor. (Look for less than $50) *The Student Health Center is free for ALL students*
Prescription: The amount of money you pay every time you need medicine. (Look for generic and name brand coverage) *The Student Health Center has some medicine for free*