Can kid stay on my health insurance during college?
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Anonymous
| I have Cigna through my employer, the whole family is on my plan. When kid goes to college in another state, can he stay insured on my plan, or will he have to enroll in whatever plan the university offers? |
Anonymous
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Yes they can stay on your plan.
Then you complete the insurance waiver in their portal and upload their enrollment card. |
Anonymous
| Yes, if he is on the plan now, he can stay on it until he is 26. |
Anonymous
| Depends on teh school. Yes, you can keep kid on your plan but the plan may not meet the university requirements so yo may be required to buy their insurance. It is a qualifying event so you don’t have to pay for double coverage. |
Anonymous
| Definitely make sure to complete the insurance waiver. Some schools will charge you a fee if you don't. |
Anonymous
| Yes. Until they're 26. |
Anonymous
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Our daughter goes to college out of state, and we decided to keep her on our insurance. She has mostly kept her home doctors and sees them on breaks. Does have a local doctor (through the university health center) and has occasionally needed more care while at school (ER visit, some specialists), but she has still been covered by our insurance. Agree with above, have to complete the university's paperwork waiver (which required a bit of effort on our part, phone calls and internet research).
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Anonymous
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Yes, until age 26, BUT, you have to get the college’s permission to waive their health insurance (at least at both my kids schools— on private, one VA In state). And their health insurance is $$$. And you only get a waiver if you have decent a decent PPO with good out of network coverage, so that your kid will actually be covered at the location where the college is. HMOs and HDHPs are unlikely to get waivers.
If your kid goes to BC, local DMV and catastrophic coverage in Boston won’t cut it. They will need solid coverage in Boston. I’m a Fed, and had no issue getting a waiver for FEP BCBS standard. And before that GEHA high. But, lots of parent griping on the parents pages of my kids schools that they can’t get waivers with HDHPs, HMOs, etc Also be aware that that’s health insurance only. My dental insurance kicked my college kid off at age 22. Vision care did not. So for those, look at the policy. |
Anonymous
| I have a family plan through my work but it is high deductible. We ended up getting the university based insurance because is much better coverage and when my dd needed ED/specialist care it ended up saving us money . So she is essentially double insured. Look at your own policy and what school offers. You only need one but depending on your policy the school’s insurance may make sense. |
Anonymous
| Yes, thanks to the Affordable Care Act! |
Anonymous
Yes according to the ACA. Your college may still make you buy their plan if they don’t think yours has sufficient out of network coverage. |
Anonymous
My DD's college would just add the cost of the university insurance to her tuition bill. We called them and they said we had to complete the waiver. Once we did, they subtracted the charge for the university insurance. |
Anonymous
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My 20 yo college kid is on my Federal plan. We didn’t waive school insurance or anything like that. He’s had to use it several times at his out of state college in his almost 3 years of school for various illnesses and sports injuries and no issues. |
Anonymous
My kid is 24 and has been on my insurance all through college and 2 years of employment
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Anonymous
| Yes. That saves you from purchasing a separate insurance. |