The tuition arrangements are started; the dorm room is designated and your son or daughter 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 bear in mind to check on their health insurance?
Several, but not all, insurance firms will offer a health insurance policy for college college students under a family policy; do you know for sure that yours does?
With some insurance firms, coverage depends upon whether or not the college student is a full time college student. Review your policy or ask your insurance administrator; if you’ve an HMO plan, will your college student be covered if they go to the college student healthcare facility away from home?
Check the age limit as well; you might locate that once your son or daughter reaches a certain age they are dropped from the policy no matter what.
Ask your insurance company to offer an additional insurance card for your son or daughter to carry with them; if there is an extra card for prescription medications; ensure they have that too.
This preventative step will help eliminate confusion when they suddenly need to see a doctor.
You will find college student health care plans which are available via most colleges which are a very affordable alternative if your policy 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 need to seek medical assistance? Take time to look into health insurance before they head off and away to college in the autumn season.
Beverly Lissom DuTangue is proficient in health insurance policy comparison websites and creator of a wide range of compelling reports.
