Student Health Insurance – Getting Coverage in College

Taking new steps is part of college life. An important step is choosing the right insurance plan while in college. Student health plans are sometimes more affordable than other plans – in some cases, less than employer-sponsored plans. Also, they provide more benefits. So, if you are a student, getting health insurance may be easier than you think. College is stressful enough, so make sure you take your time to find health insurance that works with your life and budget.

Parent’s Insurance Plan

College students under 26 are covered by their parents’ health insurance as a result of the Patient Protection and Affordable Care Act (PPACA). You can get covered through your parents’ job-based plan or other plans in the Health Insurance Marketplace. Your parents can include you in their application either during the Open Enrollment Period or a Special Enrollment Period. But you can stay on a parent’s plan until you turn 26, get married, start or leave school, are not claimed as a dependent, or turn down employment-sponsored coverage. Also, many students are beyond the limit age, may study abroad, or their plan may not offer suitable geographic or medical coverage. Every plan has different rules, so check with the plan to learn the details.

Individual Plans

College students may choose an individual plan if there is a limitation on a family plan where the student can’t receive coverage in another state or may receive it at a higher price. You can purchase an individual plan with the help of a licensed insurance agent, directly from a carrier, or through the ACA Marketplace. These plans generally run for 12 months starting in January, so make sure you plan ahead of time. The eligibility requirements are the same whether you are attending College full or part-time.  

College Plans

Many colleges require students to have health insurance coverage, so they may offer on-campus health insurance themselves. This is something you can ask your advisor who may probably direct you to the campus health center. A campus plan generally covers any services received through the health center such as dental care, mental care, eye care, and routine preventive care. Every school is different so coverage types may vary from school to school. When you inquire about or enroll in a specific health care plan, make sure you understand the financial protections offered for every possible scenario.

Medicaid and the Children’s Health Insurance Program (CHIP)

Students from low-income families may qualify to receive Medicaid coverage. If you meet the requirements coverage will begin right away at any time throughout the year. If you applied through the Marketplace, you will find out whether you qualify for CHIP or Medicaid.

Pre-existing Conditions

All insurance companies want to know the level of risk they can assign to your application, so you will be asked a variety of questions when applying. Fortunately, pre-existing conditions are no longer an impediment to getting health insurance.

In a nutshell, finding affordable health coverage while in college shouldn’t be a difficult task. A licensed insurance agent from Insurance Line One can make the whole process less burdensome. Request a quote today!

Sources
  • https://www.healthcare.gov/young-adults/children-under-26/

  • https://www.uhc.com/individual-and-family/insurance-plans/student-health-insurance

  • https://www.healthcare.gov/blog/student-health-insurance-options/

  • https://www.bestcolleges.com/resources/student-healthcare-guide/

WRITTEN BY