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 Posted: Mon Jan 18, 2010 12:11 pm Post subject: Student health insurance-do you visit campus health centers? |
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Recently my girlfriend who's a college student had been to a health center belonging to the campus. Once there, she was told that her family health insurance won't be acceptable. Would it be good if I suggest her to sign up with student health insurance separately?
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BrianQ
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| Posted: Tue Jan 19, 2010 5:52 am Post subject: |
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| Yes, college students are often confused about the right option. While most of them may have health insurance through a family plan, these plans are some times not acceptable to the health centers within their campus. student health insurance programs are truly helpful for college students these days. |
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steven
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| Posted: Wed Jan 20, 2010 6:08 am Post subject: |
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The student health plans are quite affordable for students. On the other hand, these plans are specifically designed to meet the services offered by the campus health centers. This is of great help for all college students since a majority of them (around 75%) would visit campus health centres.
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anonymous00
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| Posted: Wed Jan 20, 2010 6:24 am Post subject: |
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steven, great point. Not only are the students confused, so are the parents.
Knowing whether your family healthcare plan covers your kid away at schools is a critical issue. Many plans will, but there are definitely plans that won't except in an emergency. Emergency care is mandated by federal law and just about every plan has to pay for emergency care outside their network area/provider network in managed care plans such as PPOs and HMOs.
Non-emergent care is absolutely a different story, and there are many medical providers that won't touch certain plans for any number of reasons. Make sure to to find out if your plan covers the kid for routine and non-emergent care, and if not, I would agree with the others in suggesting purchasing the coverage through the school.
These plans are commonly called "blanket" policies and are group policies; as a student your daughter would be a group member and be covered under the group's master (governing) contract. It's inexpensive, would only be there to cover her while away at school, and would usually terminate at the end of the school term/year/semester or whatever based on the plans' terms. My kid's schools rolled the premium into their tuition costs or something like that. I can't remember...I just write the checks.
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InsTeacher
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| Posted: Thu Jan 21, 2010 7:13 am Post subject: |
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Hi Teacher..
I understand that we don't need to worry when the kid is away at school. But I'd really like to know whether it's easy to get compensated if anything happens..
Also, tell me if these student health carriers would provide us with detailed paper work regarding their coverage. |
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RupertWBradson
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| Posted: Fri Jan 22, 2010 6:11 am Post subject: |
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Hey Rupert. Normally, these policies won't have a deductible like your ordinary major medical. Notice I said "normally." Most plans operate similarly to HMOs and PPOs and ask for a co-pay at the time of service and don't use the deductible/co-insurance process.
As far as you getting the detailed paperwork regarding the coverage, a couple of things come into play. First of all, these contracts don't normally issue a policy to the insured. Since it's commonly a group contract, your kid will get a "certificate of insurance" instead. This will show some information, but will not detail the entire scope of coverage. I remember we got a bunch of pamphlets that described the plan's coverage and other details and I was pretty comfortable with everything.
I've been lucky in the sense that they've never had to go to the doctor/hospital while away at school. They always manage to get sick or break themselves somehow only when they're at home and my group contract covers them while at home. Lucky me.
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InsTeacher
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| Posted: Fri Jan 22, 2010 7:22 am Post subject: |
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| There are those not-so-good-sides to everything that we have in this world. If the coverage is meant to stay put to students who'd be treated within the campus health center, then it's of no good use to them if they're to get hospitalized. Likewise, if an ailing student needs to go back home all of a sudden it may not be beneficial for him at all. |
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roddick
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| Posted: Wed Feb 03, 2010 5:57 am Post subject: Student health care insurance |
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| Student health care insurance plans are truly affordable. However, this group plans provide benefit plans specific to the institution and may not provide a comprehensive coverage. |
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Veronica
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