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Health Insurance

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Replies to: Health Insurance

  • donnaleighgdonnaleighg Registered User Posts: 1,579 Senior Member
    Blue Cross can be a good solution for out-of-state students and their families. It allowed us to opt out of our kids' school policies (both close to $2k). And both schools had health centers which covered basic things (stitches, flu shots) even if you waive the insurance.
  • Asil65Asil65 Registered User Posts: 226 Junior Member
    We have an Aetna PPO type plan that looks like it will cover most issues in the state where my son will be in college. I was wondering if the health insurance is an additional cost to the R&B and tuition fees? I had thought it was part of the bill and that you get credit back if it was not used. Still learning so much from you experienced parents. Thank you.
  • lookingforwardlookingforward Registered User Posts: 32,407 Senior Member
    I wonder what OP asked her insurer- for in-net docs in those cities or did she explain these are college kids? But note she did say there are some network docs near each of the colleges.
  • intparentintparent Registered User Posts: 36,890 Senior Member
    Can someone tell me why it would be better to spend $2k now on an additional policy, rather than spending $1k to meet existing deductible, only if the need actually arises?

    Colleges are getting much stricter on whether they consider your insurance sufficient. You usually have to provide proof of your insurance, and if they think it is sufficient (actually the third party they engage), then you aren't charged for the school insurance.

    Regarding coverage for emergency rooms, my D1 has incurred the following that were NOT ER type visits. Remember that the student health service isn't open 24x7, nor is it open at all sometimes if your kid stays on campus for summer research or work. My kid has had a lot of summer stuff happen.
    - Urgent care visit in the summer for a cut
    - Return UC visit for follow up, and it was infected.
    - Yet another final UC visit for the same cut
    - Xray at UC for what turned out to be a broken arm
    - Visit with ortho doctor as follow up on broken arm (rest of care was at home, as it happened a week before she came home for part of the summer)

    Also, if your kid needs any kind of mental health treatment, the campus health service provides a limited amount, but they may need to go off campus for more. And again... none offered in the summer.

    Our BCBS plan has worked well in all these scenarios.
  • thumper1thumper1 Registered User Posts: 76,097 Senior Member
    edited April 2016
    Some college policies are more costly now because they have to adhere to ACA requirements.

    When our kids were still students, and young enough to do,so...we kept them on our plan...but ours was a PPO that covered them in any state, with in network hospitals and providers. This was required by their schools.

    The OP needs to see if the family current plan meets the minimum requirements that the college has in terms of coverage.
  • intparentintparent Registered User Posts: 36,890 Senior Member
    Not all colleges are very clear about their standards on their websites, unfortunately.
  • TripletsMamiTripletsMami Registered User Posts: 27 Junior Member
    80% after $1,000 deductible
  • cmb1828cmb1828 Registered User Posts: 86 Junior Member
    edited April 2016
    Is that $1k deductible for OON an annual deductible, or per incident? If annual, that's pretty damn good and I wouldn't bother with other coverage so long as it also meets the school minimum requirements (I work for a health insurance company, and even the best of our employee plans has $1500 annual deductible IN network). Especially if per incident, but really either way, you need to understand your maximum out of pocket, out of network costs before you can weigh the cost/benefit/risks.

    *EtA: My kid's school is 900 miles away. Regular insurance has a couple of network docs in the university health center, and there are 2 network hospitals w/in 20 minutes, so I just stuck with my current plan to cover him. Couple of eye docs and dentists in the area too, push come to shove. Geographically, we don't have a high-density of coverage out there, but there are enough options for a generally healthy kid.
  • woogzmamawoogzmama Registered User Posts: 3,850 Senior Member
    We paid for a platinum plan with national access one year, and then found that it was just as cost-effective for one son to buy a plan in FL, since he will spend full year there. For peace of mind, the national-access plan might be worth the $$, especially if your kids will be either coming home or traveling next summer.
  • twogirlstwogirls Registered User Posts: 6,970 Senior Member
    Both of my kids went to college using my health insurance plan.

    Kid #1 used it once to get a strep test. We paid a small lab fee. She pays $10 to see a doctor on campus which is our co-pay.

    Kid #2 is fortunate in that tuition includes all services at campus health- she has had PT, counseling, seen the doctor etc and has not paid any type of co-pay because it's included in the tuition. Not sure how common that is - maybe that is the norm who knows. She received a prescription on campus for $5- they took our prescription plan.

    Kid #2 is on our plan which also happens to be the plan that the school sells. All of the doctors at the hospital on campus are on it, as are all of the doctors right off campus.
  • alooknacalooknac Registered User Posts: 1,296 Senior Member
    @Asil65 I think most colleges have a separate line item on the tuition bill for health insurance. At some point before or after billing (depending on the college), you can opt out, if you show proof of other insurance that they deem acceptable. It's not whether or not you "use" it. If you miss the opt-out deadline you will be stuck paying for the insurance whether or not you need it, want it, or use it. If you are allowed to opt out, they will remove it from your bill.

    If you haven't heard anything about opting out when it's getting close to the beginning of the school year, I would contact the school to find out what you need to do to opt out if that's what you want to do.
  • thumper1thumper1 Registered User Posts: 76,097 Senior Member
    Our college health insurance...two schools...was not part of the tuition/room/board costs. It was an additional line item with an additional cost.

  • Asil65Asil65 Registered User Posts: 226 Junior Member
    Thanks thumper1 and alooknac. Appreciate the info. Definitely will opt out. Will save me close to 2 K. Have a great weekend.
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