When a student has college insurance, that policy is a primary insurer. Sometimes the parents or guardian might still have them on their policy, which would be secondary to the college health insurance policy. Here are the positives and negatives about college health insurance. College insurance, the advantages are. The policies are written according to what the students might need. The policies have to go according to the Affordable Care Act rules, which include mental health, pregnancy, and preventive care, et cetera. Very often, the premiums are included in the college tuition, and the policies are often more affordable than a private insurance company policy.

Very often, the claims and billing are handled through the university, and the medical providers are close to the college. So that’s all the good benefits about it. Now we’re going to talk about the disadvantages for these types of policies, student policies. Some of the policies are very limited on the providers, where they might need to see someone on the campus first. The policies might have fewer options involving the providers on the plan.

And even though there might be lower premiums, the policy might have very high deductibles. If you want to talk to me about this before you decide on a plan, for college insurance—what the advantages are and the disadvantages—please call me. I can help you. It might be better if they stay on your plan. It really depends also on the location of the college and whether or not they’re even covered at this college according to where the college is located. Please call me if you have any questions. I’m here to help you.