Any coverage for the college students?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri Oct 03, 2008 5:25 am   Post subject: Any coverage for the college students?  

My son would go to college as soon as the fall starts. I'm really concerned about what type of coverage we should provide him with. Please guide me! Caromel_marquez


_________________
Register Now to have your Insurance queries solved.
Caromel_marquez
Guest







PostPosted: Fri Oct 03, 2008 10:12 am   Post subject:   

Health should remain you major concern when he'll be away in college. Hence, you may arrange health coverage for him. If he is currently covered under your plan as a dependant, you may ask the agent whether he can still remain under the policy. At times the insurer may allow the dependant child to remain covered under his parent's health plan even when he is away from home.



The dependant child can enjoy the benefits of the coverage as long as he stays a full time student.

jeorge
Senior member
Leave a quick message

jeorge

Joined: 07 Oct 2005
Posts: 798


132.87 Dollars($)

PostPosted: Fri Oct 03, 2008 10:20 am   Post subject:   

Quote:
The dependant child can enjoy the benefits of the coverage as long as he stays a full time student.




Well, this may not happen always. Some insurers may impose an age limit till when the child can remained covered under the plan, i.e. once the child attains the age, he/she may lose the coverage. Hence, it's important for you to find out the policy of your insure regarding this issue.



Most colleges and universities, however, have specially designed plans that allow the students to avail subsidized health care within the institutes. You may check out with this as well.
RupertWBradson
Senior member
Leave a quick message

Rupert W Bradson

Joined: 05 Jul 2007
Posts: 692


131.46 Dollars($)

PostPosted: Fri Oct 03, 2008 10:42 am   Post subject:   

re: health coverage if you are in a group plan you probably still have coverage for him as long as he maintains full time student status...when our daughter was in college i had to prove this about every year. i get a form from the ins carrier requesting copies of schedules grades etc...



now, regarding other coverages they of course should have an auto policy with more than the min. liability limits if they have a vehicle...



not sure what type of coverage you are wondering about...if you could expand on that we might be of greater assistance..



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Oct 03, 2008 1:53 pm   Post subject:   

I would assume her main concern is health insurance (since it's in the health forum) but your point if good Lori - just because he is off to college doesn't mean mom should disregard all insurance coverages.



As to the auto, you can keep him on your policy - just be sure and notify your agent that he is off to school. Definitely increase your limits of liability since he is driving (want to protect your assets and future, as well as his).





Also Rupert was correct about using the facilities at the university. Often times, they will give discounted (and sometimes free depending on the ailment) appointments and prescriptions. Check with the school.



_________________

Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller
LifeIsGood
Senior member
Leave a quick message

LifeIsGood

Joined: 22 Sep 2008
Posts: 574


1.31 Dollars($)

PostPosted: Fri Oct 03, 2008 7:09 pm   Post subject:   

Most or some I guess I should say HO policys specifically address a college students personal property while away at school....not sure that all do this could even be a company thing...I don't know, but it certainly pays to get these questions answered BEFORE you have a claim....(re:forum selection you have no idea the amt of time i spend just switching those around..sorry guess i've got into the habit of not believing it until i know for sure... WinkEmbarassed )



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Fri Oct 03, 2008 8:25 pm   Post subject:   

Ahhhh....gotcha.



His property - should be covered under your HO.

His auto - depends on what policy he has; his own or yours. Either way he should be covered.

Health - addressed above.



But definitely what Lori said - first thing you do is call your agent and ask all the questions you need to ask. If you need any clarification, of course you can ask here.



_________________

Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller
LifeIsGood
Senior member
Leave a quick message

LifeIsGood

Joined: 22 Sep 2008
Posts: 574


1.31 Dollars($)

PostPosted: Mon Oct 13, 2008 4:42 am   Post subject:   

A lot of colleges are now requiring health coverage for students, and there are a lot of cheap student plans out there. (I sell a few every fall)



Your best option may be to go ahead and get him his own individual policy.

It will be easier for him to have this if something happens major so that he doesn't have difficulty when he reaches the age limit of your policy.



_________________

http://newagentsolutions.ampminsure.org
beatuplunchbox
Forum Expert
Leave a quick message

beatuplunchbox
Forum Expert

Joined: 26 Apr 2008
Posts: 231

Location: NC
3.93 Dollars($)

PostPosted: Mon Oct 13, 2008 9:14 am   Post subject:   

Quote:
Your best option may be to go ahead and get him his own individual policy.

It will be easier for him to have this if something happens major so that he doesn't have difficulty when he reaches the age limit of your policy.
In our case that would've been a waste of money...the kids are covered under their dad (my husbands) policy at work while full time students or until age 24...Then they get a job and have their own Wink


_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Mon Oct 13, 2008 11:15 am   Post subject:   

Thats how our insurance is too. Kids can stay on until 19 whether in school or not but after that if they aren't enrolled in an education program then they aren't covered. If they even wanted to go to school part time they will still cover but of course it has to be proven. My hubbys work calls this program "For a better tomorrow". It is something they came up with.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.38 Dollars($)

PostPosted: Wed Mar 25, 2009 2:33 pm   Post subject:   

Yeah, its better to child should be under plan coverage.



In US, there are some company as well as goverment

provides student health insurance plan.



"eStudentInsurance.com" you can get more information regarding

student health insurance,This provide all insurance as per your need.



This is providing you with online information about the very best

insurance plans for US Students who need coverage in the USA



Hope this is sufficent information for you.......

dilipgagare
New member
Leave a quick message



Joined: 25 Mar 2009
Posts: 6


5.45 Dollars($)

PostPosted: Sat Mar 28, 2009 3:32 pm   Post subject:   

hi, i think that the most important one would be the health insurance. however, you must put in mind that an auto insurance would be rather important too, cos' since he's a college student, he would most likely be driving by now.

yea... so the two insurances are health and auto..

and already mentioned above, property insurance would already be under you..lol

IcEcrEaM88
New member
Leave a quick message



Joined: 28 Mar 2009
Posts: 29


12.15 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused