“It depends on the cost,” she says.
(Healthcare.gov, the federal health insurance marketplace, provides guidance to college students seeking ACA coverage. Due to the pandemic, a special registration period for marketplace coverage has been extended to August 15 in 2021.)
Fourteen states and the District of Columbia have their own marketplaces and their time limits vary. But if you miss a deadline, you’ll likely qualify for a special enrollment deadline if you go to college anyway, Ms. Collins said.
The mental health of college students is an increasing problem. Families should carefully review the details of behavior therapy coverage, including counseling, said John Dunkle, senior clinical director of higher education at the Jed Foundation, which works to prevent suicide among teenagers and young adults.
Due to state admissions rules, he said, students going to college outside of the state may not be able to receive remote therapy from their regular counselor, even if they have attended virtual home care during the pandemic. Parents of students with known mental health problems can contact the campus counseling centers over the summer to help plan the start of the semester, Mr Dunkle said.
“It’s great to have a provider at home,” he said, “but get one at school.”
Some colleges will ensure that students receiving a grant will cover the health rewards, but others may not. Check with your college’s financial aid to be sure.
Here are some questions and answers about the university’s health insurance:
How do I deregister from campus health insurance?
Students typically need to apply for college coverage waiver and include a copy of their insurance card – often by a date that falls in the summer or the beginning of the fall semester. “You can’t go without it after the deadline,” said Brendan Williams, senior director of consulting at uAspire, a nonprofit group committed to making college more affordable. So check your bill so as not to get stuck with unneeded coverage. Many colleges charge fall students for coverage for both the fall and spring semesters.
Typically, you will need to apply for a waiver every year you enroll.
Can we take out campus health insurance in addition to our family health insurance?
Typically, if your student is covered by both a college plan and another health insurance plan, the campus plan pays for the care the student needs first, while the other plan pays as secondary coverage, said Ms. Marks of Academic HealthPlans.