Students need to be aware of their health insurance needs when it comes to going to college. Most students find that they have to carry health insurance on a monthly basis throughout the course of their college career. However, students can also choose from a plethora of health insurance choices, such as school-provided medical insurance, Medicaid, or their own parents’ health insurance. This article explores those options in greater detail. The bottom line is that all students should carry some sort of health coverage during college.
When most people think of student health insurance, they usually focus on either JCPAP coverage or other long term treatments like chemotherapy or physiotherapy. Unfortunately, these services are not always available to new students. In some cases, new students may be able to receive coverage through their parent’s family plan, but this may not always be the case. Parents will need to contact their student health insurance provider and inquire about which coverage plans they are offered.
Students may be able to get temporary coverage through their schools, if they fall under a specific program. The Care Act, as this program is called, requires schools to offer students extended medical services. Coverage includes emergency care, hospitalization, advanced practice, diagnostic care, surgery, and mental health and substance abuse. For students who do not fall under the care act, school can provide coverage through student health insurance companies, as long as they meet certain requirements.
Many people are confused about what types of healthcare services are covered by their student health insurance. While all healthcare professionals are familiar with the types of coverage provided for students, there are three main types of coverage that will be readily available to them. These are accident and trauma, critical illness cover, and pediatric healthcare. If your child has a particular illness or disease, it is important to mention it on your insurance application. This way, you can make sure that you and your child are taken care of should anything serious happen.
Accident and trauma are very important in providing for the health care needs of your child. This type of coverage pays for hospitalization and medical treatment for injuries sustained as a result of a car accident, collision, motorcycle accident, or fall. Certain locations pay for a portion of this cost. If your child sustains an injury that causes disabilities or lifelong effects, the coverage paid for under the accident and trauma student insurance plan will pay the cost of their healthcare. This plan is usually limited in scope, but is well worth taking a look at.
Critical illness coverage is often not offered by colleges and universities. Because it is typically not offered by private companies, it is an important student health insurance plan coverage for college graduates. This type of coverage pays for the costs of medicine and treatments for illness that are considered to be critical. Examples include cancer treatment, heart surgery, and surgeries for AIDS. While many of these treatments are extremely expensive, they are essential to the patient’s ability to survive.
Finally, college students that want to maintain health insurance coverage while they are in school should consider signing up for a subsidized policy through an employer. These policies are sometimes called HMOs (Health Maintenance Organizations) and offer a wide range of health plans at a low monthly rate. Since many students do not choose to purchase health plans offered through the government or their school, this is often the best way to maintain health insurance coverage.
Although the above three options are ideal, there are a few things you should keep in mind when looking for student health insurance plans. One is to check with the school to see what the required medical services are, as some schools require their students to participate in certain healthcare plans or programs. Another is to remember that each plan has its own requirements and guidelines for enrollment and renewal. The most important thing to do is to understand your own health insurance requirements, as the cost of medical care during your student years can be quite high.