While some colleges and universities are still deliberating whether to reopen their campuses or not, others are already opened. However, most discussions focused on the health risk involved in reopening schools when the virus is still spreading like wildfires.
But from my research, two questions are left unanswered about reopening colleges and their perceived health risks. The questions are; who bears the cost of treating that COVID-19 cases that could occur in students? And what are some salient things every college student should know about their insurance cover? Click here!
Well, after reading this article, you will have answers to these questions. But before you return to campus, here are four things you should know about your health insurance vis a vis COVID-19.
#1. Weigh the Coverage Option
Ordinarily, most students have a health insurance coverage plan through their school. However, you can still explore more options to know which is better for you.
For instance, the Affordable Care Acts allow you to stay on your parent’s plan until you turn 26. You can take advantage of it, especially if your parents are insured, and you are going to stay at home for a while.
However, if you decide to stay in your parent’s health insurance coverage, they may have to switch from spousal to family coverage. And this will definitely increase their premium. But it worth it. For more details, visit: https://www.bottlestobritches.com/why-do-i-need-health-insurance/
#2. Ask to Know How Covid-19 is Covered
Every University and College that’s planning to reopen its residential campus has detailed plans to curtail the spread of COVID-19. These plans contain protocols that include social distancing, daily symptoms reporting and regular testing.
Whenever students are tested positive for the virus, they will go into isolation, contact tracing, and any other measures to protect the lives of students on campus.
But the question now is what happens to a student who develops complicated due to COVID-19? Who’s going to pay the hospital to pay the medical expenses? Well, I will leave you to ponder on that.
#3. Make Use of Telehealth
During the Pandemic, most students may not be comfortable going to the hospital if they have other health concerns. Telehealth enables you to get a doctor’s appointment for a non-emergency health condition.
Interestingly, most student health plans have waived copayments and are encouraging telehealth visits.
#4. Out of Network Care
What happened if you are in a place where you can’t access your network care? Let me explain this to you better.
The pandemic has made more students stay at home. And some universities have online learning platforms for these students. And if your health insurance plan as a student doesn’t have an out of network care, you may find it difficult to access medical attention even when you need it.
For instance, you may be living in one city, and your school is in another city. Access to health care may be an issue, except your health insurance has an out of network care option that allows you to use hospitals outside your network.