Healthcare Insurance For College Students
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Anonymous
| This thread should be short and sweet. Can your child's healthcare plan follow them to college or is it mandatory to purchase the colleges insurance or co-insurance? |
Anonymous
| They can stay on yours until they are 26. Have you been under a rock since 2010? |
Anonymous
OP here. I am very aware of the insurance policy coverage to 26. However, since colleges are always looking for ways to add to their coffers, I was hoping for insight if additional fees are required. I'm usually pretty easy going but if you had nothing positive to contribute then maybe it is you who should have stayed under your rock. |
Anonymous
Come on people, let's not go there. Either student has to purchase what school offers or provide proof that he is covered under parents. |
Anonymous
What? Are you asking if kids are REQUIRED to pick up additional coverage just because they are students? If so, NO |
Anonymous
|
Perfectly reasonable question, OP. The University of Chicago allows us to use our BC/BS BUT we have to pay an additional quarterly amount for access to Student Health Services and Student Counseling. Since it's a quarterly fee, it really adds up.
The cost of the Student Life Fee is mandatory and is billed quarterly along with the tuition and other fees. |
Anonymous
Kaiser Permanente is an HMO. Boston University required us to obtain additional insurance. Below is a policy that many colleges follow. Hope this helps! Some type of emergency care provision is usually included in your policy, regardless of the network guidelines. If you are covered by an HMO and your college is not within the service area, you will only be covered for emergency situations. Follow up care will not be covered unless you travel back to the service area. If you are covered by a PPO plan, and your college is outside the preferred provider network, benefits will only be paid at the non-preferred level contained in the policy. |
Anonymous
| One child graduated public state university. Another child currently enrolled at a private university. Neither one requires insurance beyond what we as parents have for them |
Anonymous
Every school has a different policy regarding what they will or won't accept. I wouldn't go on the premise that just because you have health insurance, it will cover everything. You might find this Q&A from UMD informative and a 'guide' of what you might look for in the health program at the school(s) you're applying to. http://www.health.umd.edu/general_insurance_faq |
Anonymous
OP again. Thank you and a couple of others for the great information. The University of Maryland guide addresses a few questions that were in the back of my mind that I will check out once DC narrows down the schools. I appreciate you going the extra mile with the link. Thanks! |
Anonymous
No problem! 
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Anonymous
No. Not mandatory at all schools. |
Anonymous
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As one of the PP's indicate I believe you really need to check the policies of the school your DC eventually chooses. I don't believe there is a standard policy. My DD's schools simply requires us to provide proof of insurance and waive the additional fee. Also, the Health Services is covered in the tuition for her - no extra fee - but clearly some schools (like U of Chicago as stated above) has a different policy.
Good luck! |
Anonymous
| Our vision and dental insurance is not that great. For our kids, it might be better if I can put them on that plan at college then see if I can get a prorated fee since we wouldn't need health insurance. It's worth checking out. |
Anonymous
Almost all colleges require full-time students to have insurance coverage. It's cheap. Students are young and low risk. Why risk bankruptcy? |