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?
Stop and think about this for a minute. Many insurance companies provide health insurance for your family but do you know for a fact that your plan covers health insurance for college students?
There are insurance firms which base their coverage on a student's status as either a part-time or full-time pupil. Go over your policy or consult your company's representative. If you belong to a Health Maintenance Organization, it is important to know whether your child would be covered when using the medical facility at the college.
Be sure to also verify the age limits. You may discover that your child may be dropped from the policy no matter what, once they reach a specific age.
Request another coverage card from your insurance firm for your child to take along with him or her. If a separate one is required for prescription medications, be certain one of those is issued as well.
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 now before they head off to college in the fall.
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