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As the school season has arrived, so have new health insurance considerations.  Does your child, regardless of what type of school they attend or how old they are, need more or different health insurance?

Parents of elementary, middle or high school aged children may want to look into accident insurance in case of an injury sustained while their child is in school or participating in a school-based activity.  Check your school district’s website to see if they have information on Voluntary Student Accident Insurance, or call your local insurance agent.  Parents who have children who participate in sports may have to have proof of insurance before your child is allowed to participate, check with their school to see what type of insurance is necessary before they play.

Parents of college students question if there are any health insurance issues they need to consider or address and there are.  For example, if your children attending college are younger than 26, they are eligible to maintain coverage on your insurance.  If your child will be attending college in another state, it’s possible that you plan’s network of hospitals and preferred doctors may not extend there.  If this is the case, your student will likely have coverage for emergency care, but may have to travel to a preferred doctor or hospital for routine care, or your insurer may provide benefits at “out-of network” levels.  It will be best to check your individual plan’s provisions, or contact your insurance agent to find out what benefits will be provided.

Are there any alternatives available if your children don’t have healthcare coverage, or it’s limited by network service issues?  If your children don’t have medical coverage, or coverage is limited, you may want to consider purchasing a “student health care plan”.  Such plans are sold by insurers who have contracted with a college to offer coverage to its students; contact your child’s college to obtain specific information regarding such plans.  Another alternative would be to purchase an individual health insurance policy through your agent.

You may want to consider purchasing life insurance for yourself and your children as well.  While the thought of purchasing life insurance for a college student may seem strange, it may provide an element of protection for those parents who co-sign for costly student loans.  Buying life insurance for yourself could provide the financial support your children may need to continue their education if you could not be there to help them along.

Making such a personal decision about your options is yours-and y ours alone under the law.  As your professional independent agent, I can help you to craft a plan to protect you and your children to school, through school, and beyond.

Posted 9:22 AM  View Comments

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