Student health insurance policies are designed to cover the most necessary health care without expensive premiums.  These plans are comprehensive by offering ER, hospital, office visit, and ambulance coverage.  These plans are attractive to college students because of their low price and great major medical coverage.  Student plans do not cover preventative visits (physical exams) and prescription medications because most accredited colleges and universities have there own student health services center that offers these services for free or only at a minimal or discounted fee.  

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