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.