My D’s college insurance lasts the full year. We didn’t buy the college plan for our older 2 kids since they were closer to home but our HMO wouldn’t be much good for D over 2000 miles away. For us it’s good insurance, her doctors here at home are part of the network, as well as where she did her summer research. intparent, your D would be covered for the year under the plan also.
Is the year from september through August or July through June?
My premium increased drastically over the past 25 years and my deductible got higher each year long before Obamacare.
We double cover because it’s not that much more to cover her on our plan from my husband’s employer since we already have 5 covered.
We had an emergency when our eldest went to school 3000 miles away. She ended up being hospitalized and we’re glad that my husband’s employer insurance covered everything. So since then, we always double cover.
I have just checked half a dozen colleges, a mixture of public and private, and every one had either a full-year option or summer coverage included on the spring term. Which colleges do not offer this?
“It has always been the case that school insurance only covers during the year, nothing new there.”
that sure was not the case for my DS at USC , back in 2006, and is not the case now at CalTech.
And he DID have to show proof of insurance IF we wanted to cover his health insurance on our family plan instead of buying the University provided insurance.
Question: does a student insurance policy purchased through the college typically cover the student during summers AWAY from the college’s town? For things OTHER than emergencies, such as a dermatology appointment? In other words, do they operate like national PPO’s?
If not, then the student policy really is not providing full coverage year round, unless the student stays in the college town all year round.
^My daughter is covered through her school in PA and it is a national CIGNA PPO plan effective August - August. She is covered at school in PA, when she is home in CA and she’ll be covered this coming summer at her internship in NYC. It’s been helpful as she’s been at different places on the east and west coasts for school breaks and is covered wherever she is.
The latter doesn’t make any sense to me. Assuming you have an employer plan, are you suggesting that if your D was not in college and obtained a FT job with benefits in the middle of the year, that your employer would require you to continue to cover her until the end of your plan year even though she had access to other coverage?
OP: if she loses coverage, she can always go on the federal exchange for three months.
Uh, not really. Prior to ACA, some colleges did have offer plans that covered all 12 months.
My D2 goes to Cornell and the university health plan through Aetna covers from Aug 17 2015-Aug 16 2016. It also includes the following:
Provides coverage 24 hours a day, 365 days a year, anywhere in the world
Covers pre-existing health conditions
Guards against catastrophic expenses
Continues coverage when students have to take a leave of absence
Meets or exceeds all F-1 and J-1 visa requirements
Meets or exceeds all Federal, State, and American College Health Association standards for health insurance [view SHP vs NY Exchange price and coverage comparison
Exceeds the requirements of the U.S. Affordable Care Act
Includes world-wide travel assistance and emergency air transportation services
Offers optional dental and vision plans
D1 goes to Carnegie Mellon and they also have Aetna which covers from Aug 1 2015- July 31 2016.
Often employer plans allow “change of status” midyear changes. In your case, you’d need to do it twice. That, is assuming the college plan does not cover summer, which would be unusual.
The school plans we know of cover emergency and urgent care out of state. Co pays for out of network are higher even close to the college.
I suggest you contact Squaremouth, an umbrella agency that can filter plans and find something helpful for your child.
I have a child with multiple and often serious health issues. Thank heavens for the ACA and its concern for those with preexisting conditions.
My child lost a wonderful chance to study abroad, however, because no insurance would take her.
If your child is healthy, get a low cost policy for the summer- and be grateful.
I suspect there’s some basic confusion here.
Yes we had to show proof of coverage before ACA. Yes, the college health plan (which we did not use) ran August to August and would have covered her when away from school, in the US. And no, they did not care what she did over the summer in the US.
Our employer insurance plan had two choices; individual or family. The family price did not change based on the number of kids. (A parent insured as an individual only- say, divorced or each parent has his/her own plan- would see costs go up if adding a child, sure. That’s converting to the family pricing.)
I do wonder how much this problem has to do with the nature of the particular internship, something else confusing the matter.
Btw, the double coverage surprises me, but does depend on the particular plan in your state. Our insurance (BCBS- first through the employer, now through Obamacare,) covered everything at college, same as at home. Emergency service and related hospitalization is covered across the country. As a college kid, living away, she had a choice of in-network docs near her college. I know, as issues came up. But I know some insurers are much, much more difficult to deal with.
OP’s link to NACE is about whether O’care requires an employer to cover an intern. That’s different than whether the college insurance covers a kid over summer.
I’m confused since the link clearly says that interns do not have to be covered, if either paid (seasonal) or unpaid, and more importantly, are eligible for the parent’s coverage. Just bcos the parent does not want to cover the child – for whatever reason, including cost – should not be the responsibility of the ACA or the employer.
We had to show proof of health insurance or purchase to his college for our son before the ACA.
Perhaps the OP had a plan that did not conform to ACA requirements and so had to upgrade? It still may make sense to put your kid on the working parent’s health insurance for family coverage. That way she will be covered when she first gets a job, before she gets on the company’s plan.
Hope you get some answers. Sounds like most colleges cover kids during the summer.
But not every child has coverage through a parent. If the parent has an individual policy, is on medicare, or if there is no parent, the student/intern will still need some coverage.
My daughter is doing an internship in the spring in a state that has not expanded medicaid. I hope the employer offers insurance.
yeah, but this (OP) parent does.
But in the case where the parent does not have insurance, the student/person can apply on the federal exchange. Yeah, it may be costly, but medical insurance is costly.
Internships are nice-to-haves. While some employers may use corporate profits to subsidize the interns health costs, I’d guessing most will not.