Well, I’ve never seen a good dental plan that pays out more than it takes in. For dental, you’re best off just paying out of pocket.

For medical, the cheapest plan is the one offered through your school. Otherwise, a good low/no deductible HMO style plan is GOING to cost you close to $200 a month.

Alternatively, I’ve known LOTS of full time college students who worked at UPS night shift, they made good money, AND got health insurance through work. So you’re young - you can do that, also!

If you have already run some on-line quotes you already know that there are many insurance companies to choose from and then each company offers 3-7 different plans. This can be pretty confusing.

I suggest using yellowpages.com to search for health insurance brokers in your area.

Don’t call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. A good broker will ask you a few questions then make a recommendation on the company and plan that may fit your needs.

For a typical college student who is healthy and has a limited budget I usually suggest a plan with a higher deductible and a lower premium.

Try this one - - I personally have their health insurance. Advanced dental care are covered in supplemental plans.

Every Blue Cross Blue Shield plan (for the most part) is separate on a state by state basis. Furthermore, each employer chooses different benefits. A lot of people say things like, “Blue Cross doesn’t cover XXXXX” or, “you can count on Blue Cross to cover XXXXX.” It’s all false. Blue Cross Blue Shield covers what ever your EMPLOYER chooses to pay for. You should call the 800 number on the back of your BCBS card to request information about specific benefit pay-outs.