Life After College

Alternatives for New College Graduates and their Families

New college graduates need to take responsibility for their health insurance needs. GradGuard offers two good alternatives for young adults – the first is short term medical insurance. Although short term medical insurance is not ideal for all new graduates, it is often a good fit for the often uncertain career paths of new graduates who do not have any chronic medical conditions. GradGuard also offers the Student Health Plan – which is available to members of College Parents of America and provides a good alternative for new graduates who may be entering graduate school programs.

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In the News
Paying for College

Surveys Show 1/3 of Freshmen Don't Become Sophomores at the Colleges They Started At

There are many reasons why students do not return to college, but some of those highlighted below are risks that can be insured against through GradGuard’s tuition refund insurance. Tuition insurance is not drop out insurance, but it does provide a reasonable way for families to protect the investment they are making in not just tuition, but room, board, academic fees and even travel to campus. Not all tuition insurance is as comprehensive as GradGuard’s but we recommend that each parent not only consider what will help there student succeed, but also insure against the unexpected case of mono, injury, disability through purchasing GradGuard’s tuition refund insurance.

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In the News

Student Health Insurance Review by the Wall Street Journal

The September 26th edition of the Wall Street Journal published an article titled “How College Health Plans Are Failing Students”. The article fails to address just how few affordable choices students have if the school plan does not meet their needs. GradGuard shares the goal of colleges that seek to mitigate the risks that could interfere with a students goal of completing an education. Health coverage is fundamental to this goal and is addressed through GradGuard’s Student Health Plan. In addition to GradGuard’s Student Health Plan, GradGuard also offers tuition insurance, college renters insurance and the Student Protection Plan.

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In the News

Child in College? The Importance of Health Care Power of Attorney

If you have recently sent a son or daughter off to college, it is critically important that you have a signed Health Care Power of Attorney (HCPOA) in place. This document is important because once your child turns 18, they are legally recognized as an adult and the colleges they are attending generally cannot share medical information with you.In the case where you may need the HCPOA, you may also find yourself needing emergency medical evacuation insurance or be in at risk for losing the investment in that semesters education expenses. GradGuard offers an affordable solution thru its Student Protection Plan, which includes not only tuition insurance but also emergency medical evacuation insurance.

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Renting

Dealing with Claims – Understanding the Limits of Homeowner’s Insurance

This months Claim’s Magazine, the insurance industries news magazine on insurance claims, wrote a useful article on the limitations of homeowners insurance and the potential value of renters insurance to college students. GradGuard offers renters insurance designed for college students and their families through this site or also through College Renters Insurance. Both provide products that help close the gap and to provide a sound alternative for college families looking to mitigate the potential property loss that results on campus.

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In the News

New York Times – Choosing Insurance for the College Life

Paul Sullivan of The New York Times describes some of the vital risks that college families should consider in his September 17th article. Please read the entire article here or see a summary of the highlights below. Sullivan commentary is mostly aimed for wealthy parents, but much of the advice he highlights applies to all 19.7 million college students and their families.

The article does a great job of identifying the traditional risks such as the need for renters insurance, ID theft insurance and other more specific insurance programs that can help college families, but it falls short in several important ways. Next Generation Insurance Group’s GradGuard sees risks facing students in many other ways including the need for tuition insurance and the need for emergency medical evacuation insurance. An important footnote, ID theft & resolution services, tuition insurance and emergency medical evacuation insurance are included with GradGuard’s Student Protection Plan. GradGuard’s Student Protection Plan is an insurance and benefits bundle that provides real peace of mind to college students and their families.

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Student Health

Flu Season Can Impact Students’ Ability to Succeed in School; Consider Protecting the Investment in College in Case of Medical Withdrawal

With college campuses again buzzing with students, the fall will bring concerns about the flu and other potentially serious illnesses. As parents remind their students to get flu shots, they should also consider how an illness like the flu or mononucleosis can impact academic performance – as well as their finances. Although school is already back in session, it’s not too late to protect the cost of college attendance. GradGuard tuition refund insurance covers the cost of tuition and other non-refunded expenses in the case of a medical withdrawal, and is available at any time before or during the semester.

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In the News

NPR 5 Big Health Issues on Campus – Need for Tuition Insurance

National Public Radio created a fantastic summary of the Big 5 Issues facing students on campus. GradGuard recognizes that these health issues are also real potential risks that may interrupt an academic semester and also lead to a medical withdrawal. These “Big 5” reminders by NPR are another independent source recognizing the risks to the investment college students and their families make to support them. Thanks to NPR for providing another argument for students to also consider purchasing tuition insurance.

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For Parents