CHICAGO, IL--(Marketwire - September 29, 2010) - GoHealthInsurance.com advises students to compare their current health insurance plans to new options provided by health care reform.
While many students have a university-provided health insurance plan, health care reform may have opened new coverage options that offer better benefits at a lower cost.
For example, some students can now be covered by their parents' health insurance plan. Reform extends young adult coverage under parents' plans until the age of 26. This reform provision also protects students who take off a semester or stop going to school by continuing coverage even though the child isn't enrolled in school.
If students cannot be covered under their parents' policy they should consider comparing their current plan to an individual health insurance policy.
Individual policies have more protections and additional benefits than college plans. College plans do not have to comply with new rules proposed by health care reform -- leaving many students unable to utilize health care reform.
Here are some benefits for students with new individual policies:
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No lifetime or annual coverage limits. College plans have both lifetime and annual coverage limits, which leaves many with medical bills.
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Free preventive services. Students with individual plans can receive free preventive services, including immunizations and vaccines.
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New protections for consumers who want to appeal insurers' decisions. Individual policies will allow students to appeal a decision and have it reviewed externally.
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Individual policies are not temporary or limited benefits plan like college plans. Students can keep individual plans and will not have to find new coverage in 2014 when health insurance is mandated for all Americans.
Students can start investing in their health care by purchasing an individual student health insurance plan, rather than delaying the inevitable and gaps in coverage from college plans.
About GoHealthInsurance
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Contact Information:
Contact:
Michael Mahoney
GoHealthInsurance
888-250-3409