Health Insurance
Arranging for health and dental care insurance while at college is critical. Some families can continue to carry their student on a parent employment benefit plan, while others may have to check out purchasing individual plans. Some plans will continue to cover dependents up to 25 years of age as long as they maintain full-time student status, but others will not. Most colleges include access to the Student Health Center services as part of their fees/tuition. Additionally, some require purchasing a supplemental insurance plan unless there is verification of coverage under a parent or individual plan. Regardless of the plan chosen, there are several coverage questions to clarify.
- Will dependent students be covered?
- How is student status defined?
- How many hours are required per quarter or semester?
- How many quarters or semesters are required per year?
- Do the quarters or semesters have to be consecutive?
- Up to what age will student coverage continue?
- What documentation is required to verify student status?
- How often does student verification need to be provided?
Parent Employment Benefit, Private Individual or Student Health Center Plans:
- What kind health care services can be used?
- Routine
- Urgent Care
- Emergency
- Dental
- Ambulance
- Hospital
- Laboratory
- Radiology
- Where can health care services be obtained?
- Student Health Care Center
- Private Medical or Dental Offices
- Selected Medical or Dental Offices
- Emergency Room
- What are the pharmacy benefits?
- Are there any co-payments for prescriptions?
- Are there restrictions on covered drugs?
- How is payment for services arranged?
- Are there deductibles or co-payments?
- What percent is covered after deductibles or co-payments?
- Is there direct billing?
- Do bills have to be submitted?
- Which will be the primary plan if there is double coverage?
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