Are you heading off to college this fall? If so, health insurance is likely one of the last things on your mind. You’re preoccupied with move-ins, meeting new people, and choosing a major – or two! However, it’s important to make sure you’re covered in the event of an illness, accident, or emergency now that you’re away from home. Below, we talk about health insurance options for college students, so you can brief yourself before Welcome Week begins.
If you’re under 26 years of age…
If you’re under 26 you can be considered a dependent on your parent’s health plan.
Keep in mind that if you’re going to school in a different state from your parents, you should make sure their health plan covers care in your state. If your parent’s provider network does not cover costs in the state you go to school, you may want to consider applying for your own health insurance in the state you decide to go to school. Moving to a different city could qualify you for a Special Enrollment Period, allowing you to apply for coverage outside of Open Enrollment.
If you’re over 26 years of age…
If you’re over the age of 26, you can enroll in a 2018 Health Insurance Marketplace plan starting November 1, 2017. These plans must cover essential health benefits.
Depending on your school, student health plans may be available. You may also qualify for Medicaid depending on your income.
To find out which health plan is right for you, visit gohealth.com or give us a call at (888) 322 – 7557. Good luck in your first semester!