When your child goes off to college, you still want to make sure that they are going to be covered by health insurance. After all, college costs enough without having to come out of it with healthcare bills on top of student loans. So, what can you do to make sure that your child has insurance?
Check Your Health Insurance Plan
If your health insurance plan covers dependents, you should be able to extend that coverage until your child is 26. But, if you don't have dependent coverage, you can look into changing your insurance plan. When you get your insurance through your work, you may have to wait until there is an open enrollment period. On the other hand, if you pay for your own health insurance entirely, then you should contact your agent and see what needs to be done to both get your child on your insurance and to make sure that they have coverage. There are some exceptions to your child retaining coverage until they are 26, but they depend on your state and insurance company.
Look into Student Health Insurance
Some insurance companies will provide a student health insurance policy. Before you make sure that your child is still on your health insurance, you may want to see what kind of health insurance plan that your child can get as a student. There are a couple of reasons for that. One is that if your child is going to college far away from you, there may be issues when they need to see a doctor or go to the hospital, since their medical care providers may be out of network which is more expensive for them. Another reason to check out a student health insurance plan is that your college student may be able to get better coverage on that plan than they would if they were on your plan. The whole point of getting insurance for your child while they are in college is to make sure that they are as covered as possible when it comes to any injury or illness. Getting them the most insurance you can will make sure that they are in the best shape possible.
There are so many things that you have to worry about when your child is going off to college. How they are going to be able to pay if they are hurt or injured shouldn't be something that you need to worry about.
For more information, contact a company like Quesenberry Agency For Blue Cross-Blue Shield.