Can kid stay on my health insurance during college?

[Anonymous]

Confirm with your insurance first, you will need to ensure your student is covered out of state. Check with the school they will be attending and what needs to be done if you're asking to waive the insurance. Colleges want to make sure your student has adequate coverage. Some schools we looked at you just had to check a yes or no on their forms and the cost was adjusted. Others we had to go through the waiver process. For us our insurance covered out of state/out of network. It has better coverage than the university offered plan and was less expensive. Make sure to compare the plans.

[Anonymous]

Anonymous wrote:Confirm with your insurance first, you will need to ensure your student is covered out of state. Check with the school they will be attending and what needs to be done if you're asking to waive the insurance. Colleges want to make sure your student has adequate coverage. Some schools we looked at you just had to check a yes or no on their forms and the cost was adjusted. Others we had to go through the waiver process. For us our insurance covered out of state/out of network. It has better coverage than the university offered plan and was less expensive. Make sure to compare the plans.

For this, I simply changed from HMO to PPO. This allowed my kid to see doctors anywhere in the USA. I checked the network providers by changing the zip codes.

And yes, we can thank Obama for extending the age to 26.

[Anonymous]

Anonymous wrote:Yes. Until they're 26.

thanks to ObamaCare!! Keep this in mind in November!

[Anonymous]

DC goes to college in MA. We waived the university insurance in favor of our CareFirst policy. They have what they call “Away From Home” coverage, which provides DC with a BlueCross of MA insurance card for use while at school. I call at the start of each school year to arrange coverage and they mail the card to DCs school address.

[Anonymous]

It DEPENDS.

Two of my kids' universities have an approval process for outside health insurance plans. At these schools, the student must show that their plan meets both university and state requirements. (Some states, eg Massachusetts, enforce requirements for have health insurance plan requirements). Some plans will be ok and others will be denied. For example, HMO plans that provide full coverage in a student's home state but more restrictive coverage in the state where the college is located, can be denied; when denied, they have to purchase the university's student health plan. The approval process is more nuanced than that and varies by school. So, the answer to OP's question will really depend on the college and on the specifics of your particular health plan. There's a waiver process for the schools that have stipulations about outside health plans.

[Anonymous]

Our kid's college denies outside plans that have large deductibles.

Read carefully. It's not always as simple as having a PPO.

[Anonymous]

Yes, thanks Obama!

[Anonymous]

Anonymous wrote:

Anonymous wrote:Yes, thanks to the Affordable Care Act!

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.

Which is fine because the main point of this provision is to keep young adults insured. Previously, many were uninsured.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Yes. Until they're 26.

thanks to ObamaCare!! Keep this in mind in November!

If not they go back the old fashion way they go to school FULL time and they can keep it, if not they can buy it. Obama Care will be remove when Trump win

[Anonymous]

So if you waive insurance does that mean they can’t go to student health?

[Anonymous]

They can still use student health. As others have stated, check your out of network plan and with the school your child plans to attend.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Yes. Until they're 26.

thanks to ObamaCare!! Keep this in mind in November!

Obama Care will be remove when Trump win

Proper spelling will also be removed if Trump wins. I like health insurance and grammar, thanks!

[Anonymous]

You normally just need to document the coverage, and the school will waive their coverage.

[Anonymous]

Anonymous wrote: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.

Is this the case for all of Mass or just Boston? Kid is going to college in a small town in western Mass.

[Anonymous]

Anonymous wrote:It DEPENDS.

Two of my kids' universities have an approval process for outside health insurance plans. At these schools, the student must show that their plan meets both university and state requirements. (Some states, eg Massachusetts, enforce requirements for have health insurance plan requirements). Some plans will be ok and others will be denied. For example, HMO plans that provide full coverage in a student's home state but more restrictive coverage in the state where the college is located, can be denied; when denied, they have to purchase the university's student health plan. The approval process is more nuanced than that and varies by school. So, the answer to OP's question will really depend on the college and on the specifics of your particular health plan. There's a waiver process for the schools that have stipulations about outside health plans.

This happened to us. We had to get the second policy. My very strong recommendation in this case is to never mention to the college-area medical providers, or to the insurers, that there are two policies — the net effect for us was that despite paying for two policies, we had 10k of medical bills for which each insurer refused to pay, claiming the other was responsible. Currently appealing, but my god it’s been infuriating.