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  • 05-25-2016, 02:40 PM

    Insurance scams for college students

    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.

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