Affordable Health Care Tips For College Kids
Many readers are interested in more information about the elements within the Affordable Care Act (ObamaCare) which improve the accessibility to affordable health coverage for young adults. Today’s article provides additional information and things to do about health care coverage before a student leaves for college.
Read Your Health Plan Details
Some health plans treat urgent care differently from regular care. When kids are away at school especially if they will be out of state sometimes urgent care is the best place for them to go. For example, it isn’t uncommon for college kids to road trip on weekends (maybe to a ski resort), often without the knowledge of their parents. Accidents happen. People get sick or injured. If it’s the first time away from home without parents, college kids don’t always have the best information or life experience to know how to get the health care they need.
One Form Free Quotes Multiple Carriers
There are online services which conveniently link you to major insurance companies like Aetna, AIG and Humana with one application. QuoteWhizHealth.com is one example of a website to get free and fast health offers from multiple carriers. They advertise some as low as 49 USD per month.
Plan Ahead Side By Side With Your Child
Before they leave for college, sit down with your child and review the terms of their health plan so you’re both on the same page. Maybe your primary-care physician has to be called after an emergency so that the doctor could be involved in the follow-up treatment a simple phone call which can save a lot of aggravation if you both know those are the rules.
More Money-Saving Tips On Health Plans For College Kids
Student health plans offered by colleges aren’t always a good deal. Some plans may offer thorough coverage at reasonable prices, but other university plans could be junk. Signs of a bad health plan include:
High deductibles: is it realistic to pay thousands of dollars out of pocket on top of the monthly premium;
Little or no prescription benefit: avoid prescription benefits that require you to pay a large amount out of pocket before coverage kicks in;
Maximum coverage of less than 100,000 USD: one minor surgery from a sports injury or car accident can exceed this;
Good coverage, experts say, would include reasonable prescription benefits, a maximum deductible of a few hundred dollars, mental-health coverage and at least 250,000 USD in maximum benefits. As our readers are aware, the Obama care plan has regulated maximum benefits to much higher levels in a phased approach. In fact, the law prohibits the use of lifetime limits in all health plans and insurance policies issued or renewed on or after September 23, 2010.