SecondCor521
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I'm curious what others generally do in this situation.
I have a senior in high school who is currently on my health insurance plan. In the fall, he will be attending a university in another state halfway across the country. This university requires all students to either purchase their policy or provide proof of alternate coverage that they deem acceptable. Their requirement is that the policy accept claims made in their state.
My plan is a PPO with out-of-network benefits but there is a ~$16K out-of-network deductible and a $200K max-OOP for out-of-network claims. Plus the providers can balance bill if they are OON.
My kid will likely come home during Christmas break and maybe next summer.
Do I keep him on my plan for when he is on break? Seems wasteful.
Do I put him on the University plan? Is that adequate?
Do I have him on both? Seems expensive and excessive.
Can I add/remove him to my plan just for breaks? Seems unlikely.
I have a senior in high school who is currently on my health insurance plan. In the fall, he will be attending a university in another state halfway across the country. This university requires all students to either purchase their policy or provide proof of alternate coverage that they deem acceptable. Their requirement is that the policy accept claims made in their state.
My plan is a PPO with out-of-network benefits but there is a ~$16K out-of-network deductible and a $200K max-OOP for out-of-network claims. Plus the providers can balance bill if they are OON.
My kid will likely come home during Christmas break and maybe next summer.
Do I keep him on my plan for when he is on break? Seems wasteful.
Do I put him on the University plan? Is that adequate?
Do I have him on both? Seems expensive and excessive.
Can I add/remove him to my plan just for breaks? Seems unlikely.