The key is to know when and how to use these policies.
Though the summer is just beginning, college students are already making preparations so that they will be ready when the school year begins again, and many are wondering how the health care reforms will impact their need for medical coverage through their schools.
Some students are wondering if the Affordable Care Act means they don’t need college plans anymore.
The truth is that these medical policies sold through the colleges are just as important as they have ever been. Students must speak with their parents regarding what coverage they require, and whether or not they need it through their school as they leave home for the first time, or if they can remain covered through their parents’ plan.
One provision of the health care reforms is that kids can now remain covered until the age of 26.
This means that regardless of whether or not they live with their parents, children can continue their coverage through their mothers’ or fathers’ plans. This has generated a number of questions among students and parents alike.
One of the top questions is whether the health care reforms regarding child coverage apply regardless of whether or not the student remains in school until he or she is 26 years old, and if the coverage is still allowed even if the student is not studying full time. The answer is that children, regardless of where they live or whether or not they are enrolled in school full time, part time, or at all, are still eligible for their parents’ coverage.
Where college plans have remained important is in the situations where the student’s parents are either uninsured, or they do not have a good medical coverage plan. One of the provisions of the health care reforms was that any student who is not already adequately insured must purchase a plan through the college or university where he or she is enrolled.
The hope is that the health care reforms will assist the children of the millions of Americans who do not have a medical policy and therefore cannot cover their kids.