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Student Dental Insurance

The old cliche is that you have you to spend money to make money. An investment is defined as the laying out of money or capital with the expectation of profit. Enter university. The higher rated the education, the higher the cost. You have to spend the money to pay for the education that will get you the job that will make you the money. University tuitions have been on the rise and continue to rise. If you are an out-of-state student, you can expect to pay a great deal more, in some cases as much as double the cost of tuition as other students.

Because of the student budgetary constraints, many, if not most, universities have become more apt to offer some sort of discounted health and dental insurance plan for students who need the coverage, but can't necessarily afford an individual health / dental insurance plan. In terms of dental insurance, there are a number of family plans that provide coverage for the policyholder's children and dependents, but this tends to run out around age 18. In some instances, the coverage can carry over for students, offering family insurance plan policyholder's children student coverage through age 23.

Some schools are affiliated with private dental insurance companies who provide the students with discounted insurance plans based on their enrollment. A couple of examples of student dental insurance programs are as follows:

Boston University: offers a dental insurance plan for all students and their dependents for $175 / yr. Although somewhat expensive, their dental insurance plan provided a great deal of coverage for students, including:

Cleanings
Routine checkups
Twice a year fluoride treatment
Routine fillings
Emergency treatment for the relief of pain
X-rays

University of Southern California: offers a dental insurance plan to teaching assistants, research assistants and USC fellowship students (along with their dependents) as a part of their tuition package. This same dental insurance can be purchased by all remaining students for $126 / yr. The plan provides extensive coverage including:

Cleanings
X-rays
Crowns
Fillings
Oral Surgery

If you are a student interested in learning more about your school's dental insurance plans, we recommend that you contact your administration office to get information regarding specific costs and benefits.