The tuition arrangements are started; the dorm room is assigned and your daughter or son is headed off and away to college in the fall. In all of the confusion and stress from the paperwork, deadlines and financial arrangements did you keep in mind to check on their health insurance?
Many, but not all, insurance businesses will offer a health insurance policy for college students under a family coverage; do you know for sure that yours does?
With some insurance businesses, coverage depends on whether or not or not the college student is really a full time college student. Review your coverage or ask your insurance administrator; if you have an HMO plan, will your college student be covered if they go to the college student healthcare facility out of the home?
Verify the age limit too; you may find that once your daughter or son reaches a certain age they are dropped from the coverage no matter what.
Ask your insurance organization to offer an extra insurance card for your daughter or son to carry with them; if there’s an extra card for prescription drugs; make sure they have that too.
This precautionary step will help cut back confusion if he or she suddenly need to see a doctor.
There are college student health care plans which might be accessible by means of most colleges which might be a reasonably priced alternative if your coverage excludes your child.
Isn’t college confusing enough with out having to bother with whether or not your child is covered should he or she might need to get medical assistance? Take time to look into health insurance before they head off to college in the autumn season.
Beverly Lissom DuTangue is a consultant in health insurance policy comparison websites and author of numerous high quality guidebooks.