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Health Plans for College Students Missoula MT

College health plans are not free and the benefit's will vary. You'll have to check over the plan with your college-age child and decide if such a plan is sufficient.

John Shellenberger
P.O Box 4758
Bozeman, MT
Company
Company: Estate Conservation Associates
Education
Franklin & Marshall College A.B.
Stanford University M.A.
Years Experience
Years Experience: 34
Service
Supplemental Medicare Insurance,College Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Long-term Care Insurance,1031 Exchanges,Wealth Engineering,Stock Market Alternative,Wealth Management,Life Insurance,Inves

Data Provided by:
Danette Giono Insurance
(406) 439-6395
1125 Choteau Street
Helena, MT
 
Western Montana Medical Clinic
(406) 883-5680
6 Thirteenth Ave
East Polson, MT
 
Combined Insurance
(406) 885-7783
181 Jackson Peak Dr.
Kalispell, MT
 
Metamorphosis
(406) 261-9321
302 1st Street W
Polson, MT
 
State Farm Insurance - Brad Daws; Agent
(406) 587-4010
1716 West Main St. Ste. 2
Bozeman, MT
 
Trinity Massage Therapy
(406) 270-8394
1-14th Avenue West
Polson, MT
 
US Health Group
(406) 696-0586
2305 Constellation trl.
Billings, MT
 
Ken Shepherd Insurance
(406) 586-4334
3508 LaramieSuite1
Bozeman, MT
Prices and/or Promotions
Lowest Prices

Affordable Health Insurance
(636) 391-2600
267 Clarkson Executive Park
St. Louis, MT
 
Data Provided by:

Health Plans for College Students

Provided By: 

Health Plans for College Students

While our children are young and healthy, we don't think too much about health insurance unless something goes wrong. And then, they are covered under our plans as parents, right?

But what about when they head off to college?

The good news is that most health plans that a parent has through the workplace will continue to allow adult children to be covered, up until they are between 20 and 24 years of age. However, you may actually be able to save money by switching your child to a college plan. College health plans at some schools are subsidized by tuition. This can be a bonus for parents helping children through school. And if you don't have any health insurance for your child, such a college plan could be a good solution.

Don't be fooled. College health plans are not free (even if they are less expensive) and the benefit's will vary. You'll have to check over the plan with your college-age child and decide if such a plan is sufficient. Keep in mind that college plans may limit preventative care, but colleges often have free health care services right on campus. In many cases, there is no charge for office visit's here, although there may be costs associated with lab work, physical therapy, x-rays, prescriptions and other procedures.

Typically, a college health plan will cover 100% of covered services when the student gets them at the health center. This can be a great advantage. However, be prepared for coverage to drop off campus. Also be prepared for state laws to affect the kinds of coverage offered to students. As a result, one child may have good coverage through their college, while another child does not.

As with anyone trying to get health insurance, pre-existing conditions can be a problem. Before you sign up for a college plan, be sure you know whether the plan is a blanket disability product that won't cover treatment for your child's asthma, allergies or any other pre-existing condition. In the c...

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