For college students
The tuition arrangements are set up; the dorm room is assigned and your son or
daughter is headed off to
college in the fall. In all of the confusion of the paperwork, deadlines and
financial arrangements did
you remember to check on their health insurance?
Many, but not all, insurance companies provide for health insurance for college
students under a family
policy; do you know for sure that yours does?
With some insurance companies, coverage depends on whether or not the student is
a full time student.
Review your policy or ask your insurance administrator; if you have an HMO plan,
will your student be covered if they go to the student healthcare facility away
from home?
Check the age limit as well; you may find that once your son or daughter reaches
a certain age they are
dropped from the policy no matter what.
Ask your insurance company to provide an extra insurance card for your son or
daughter to carry with
them; if there is an additional card for prescription medications; make sure
they have that too.
This preventative step will help eliminate confusion when they suddenly have to
see a doctor.
There are student health care plans that are available through most colleges
that are a reasonably priced
alternative if your policy excludes your child.
Isn’t college confusing enough without having to worry about whether your child
is covered should he or she
need to seek medical attention? Take the time to look into health insurance
before they head off to college
in the fall.
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