Keep Your College Student Healthy With These 3 Insurance Tips
It’s important to do your research as your child goes into the college years to make sure that they have health insurance.
Regulations regarding health insurance coverage tend to vary by state, but in general you should be able to ensure your kids until they turn 31 if they are still in school. However, you need to check the particular state’s individual regulations to make sure. You also need to check with your particular policy, because sometimes state laws leave coverage options up to insurance companies.
The following insurance tips for college students will help you to provide insurance coverage for your children regardless of what state you live in and what insurance provider you rely on for coverage:
- Be aware of rules regarding school enrollment- Health insurance policies can differ widely in terms of offering coverage for dependent children. While some will offer coverage to graduate students or students enrolled part time, others might only cover full time undergrads.
- Know what Michelle’s Law stipulates- Michelle’s Law is applicable in every state, and it requires insurance policies to cover full time students for up to 12 months if they need to take medical leave from attending university.
- Save up for co-pays and deductibles- Health insurance benefits aren’t usually completely free. Rather, they usually require those enrolled to pay co-pays for various types of doctors appointments and deductibles on certain expenses.