Whether you have gone the process before or you are sending your first child off to college, it is not easy. Maybe you have a few more to go or maybe this is the last step until you have an empty nest. We know you have a lot to worry about. That is why we want to do all we can to take the heavy load of health insurance worries off your back and onto ours.
Finding health insurance at any age can be difficult. This will be even more true when everyone will be required to carry coverage according to the Affordable Care Act (ACA) in 2014. Never the less, we are here to help you find the best insurance for you and your student under the tight circumstances.
Parents’ health insurance
It is commonly known that the ACA permits children to remain on parents’ policies until age 26. This is said to be the best option for many families. If a student is going to school out of state, coverage may be affected. The result could be higher co-pays, higher deductibles, and limited availability of in-network care providers.
College health insurance
For a simpler route: Many colleges and universities offer student health insurance plans. Prices and coverage options differ depending on the school and state. If a student is able to choose between a parent’s plan and a college plan, college plans are definitely worth considering.
Individual health insurance
If neither of these options are possible for you and your student, individual plans, purchased from national providers, may be the way to go. It is worth noting that this is the most expensive option, considered by many to be a last resort.
When helping your soon to be college student finding health insurance, if you know where to look, it should be easy. Brazelton Insurance Group can make it even easier for you. As far as paying the tuition bills, that isn’t quite our specialty.