Money College: Four health insurance musts for students

A few years ago, a prominent insurance company ran a national television ad with the slogan, "Just because you're insured doesn't mean you're covered." The company quickly pulled the ad from the airwaves after someone realized the potential irony, but not before the spot let several million viewers in on one of the dirty little secrets regarding insurance: Coverage doesn't guarantee a payout for a claim -- and for a college student navigating the perilous waters of the health insurance industry, that secret could mean the difference between a healthy, debt-free stay at college and a small mountain of medical bills.