California health insurance  -    Full time student health insurance

How does California health insurance work with full time students?

 

The old rule required that a dependent child be a full time student in order to remain on a California health insurance family plan (through their parents) up till age 24.

That is no longer the case.

A dependent child can remain on a family health plan (individual or group health plan in California) until age 26 regardless of student status.

This is one of the mandates of health reform that we're big fans of.


College sponsored health insurance plans

 

We typically receive calls from parents who have a child in college and they want to investigate their coverage options.

 Many times, a college will offer some type of health insurance plan for their full time students.

The question becomes whether the parent should cancel the student off of the family plan and take the college plan option.

 

There are a few things to look at.

 

A few issues to look at with College sponsored health insurance

 

College plans can be watered down in benefits or treat out of network (let's say when the student returns home for break or summer) with limited or no coverage.

 

The question is whether they are ACA compliant

 

This means that they meet the requirements set by the Affordable Care Act or Obamacare.

 

Some colleges have world-renowned medical centers which provides great coverage while on campus or close.

 

Double check how the plan treats coverage out of network and make sure there are not caps on benefits such as fixed amount the carrier will pay (per year, per incident, per injury, or per night).

 

A student should also run the quote for Covered California here:

 

Quote Covered Ca Blue Shield

 

Depending on if the student files their own taxes and income estimate, he/she may qualify for big tax credits.

We can help with this whole process.

As Certified Covered Ca Agents, there's no cost for our assistance.

 

It makes sense for students studying far from home to focus on either Anthem's EPO or Blue Shield's PPO since they have access to the Blue Card network.

This provides coverage across the U.S. and California.


Remaining on the family policy as a full time student

Compare the college sponsored health plan and/or individual plan options with the student remaining on the family health plan (if under age 26).

 

If the family has more than one child as a dependent, the rate may be the same even if the college student comes off the plan.

 

However, if the family plan goes from a family basis (two adults and 1 child dependent) to two adults, the rate may change and that needs to be considered.

At age 26, the student will have to come off the family health plan either way. 

What about the family plan network?


The Family Plan Network Issue

 

There could be a network issue if the student is far from family home residence.

 

HMO plans will likely not work for students are studying away from home other than true emergency.

PPO's may work better especially with Anthem Blue Cross or Blue Shield of California due to their participation in the Blue Card program which extends benefits to other areas and States.


Having both individual family health insurance and college sponsored health plans

 

Some students keep their individual or family dependent health insurance while on the college plan.

 

Some college health plans require that students to enroll.

 

The individual family health insurance is really a safety measure or there to cover issues out of network or out of bounds for the college plan.

You really need to evaluate both options and their rules for having dual coverage to make the right decision as each college and health insurance carrier has different rules.

 

Related Pages:

Guide to Covered California Plans

 

You can run your California Health Plan for Students Quote here

 

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

 


 

 Follow calhealth.net on social media


ABOUT SSL CERTIFICATES

Covered Ca tax credits
Call 800-320-6269
Our Services are FREE to You!

Call to Enroll over the Phone in 15 Minutes

Enroll Covered Ca quickly online

Call 800-320-6269

Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
Aetna
and more
Thousands of Californians
Hundreds of California Companies
SUCCESSFULLY
ENROLLED
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED
Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269
calhealth website

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.