Parents

Why Student Health Insurance

The advantages of student health insurance plans make them an affordable, quality alternative to more expensive, traditional plans. Here’s why:
According to a recent survey,* employees are paying over $100 more per month for health care than they did three years ago. And 40% of companies surveyed have increased employee contributions for dependent coverage, with nearly 20% more saying they plan another increase in the following year

Employers may charge additional amounts for dependents if you keep your student on the employer plan. And exchange plans are based on broader, more diverse groups with a higher risk factor. Student plans may be 60-70% lower in cost!*

• Because students typically are a healthier group, student plans benefit from lower deductibles and out-of-pocket expenses.
• The benefits offered under the student health plan are coordinated with the school’s Student Health Center benefits. This avoids duplication of coverage, and cost.
• Student health plans have regional and national networks to ensure access to care whether your student is at home or away at school.
• Student health plans are compliant with the Affordable Care Act (ACA) and qualify for the federally mandated coverage requirement.

*Comparison data from 2013 Employer Health Benefits Survey, Kaiser Family Foundation

To review the student health insurance available at your student’s school, use the Select School drop-down box below. Should you decide to enroll your student, our easy online enrollment takes only minutes to complete!
Select School Allegheny College Arcadia University Averett University Brenau University Bryn Mawr College Bryn Mawr College – Pre-Medical Program Bucknell University Cairn University California Northstate University Catawba College Cedar Crest College Cedarville University Central Christian College Clarkson University College of Saint Elizabeth College of St. Scholastica Community College of Allegheny County (CCAC) Coppin State University D'Youville College Daemen College Delaware State University Delaware Valley University DePauw University Dickinson College Eastern Mennonite University Eastern University Edward Via College of Osteopathic Medicine Elizabethtown College Elmira College Eureka College Fairleigh Dickinson University Felician University Flagler College Friends University Gettysburg College Goucher College Grove City College Guilford College Gustavus Adolphus College Gwynedd Mercy University Hamline University Hampden & Sydney College Haverford College Hope College Illinois Wesleyan University Indiana Institute of Technology Johnson University Juniata College Keuka College La Roche University La Salle University Loyola University Maryland Mary Baldwin University Marymount Manhattan College Marywood University Mercy College of Ohio Messiah College Misericordia University Montreat College Moore College of Art and Design Moravian College Murphy Deming College of Health Sciences Niagara University Notre Dame of Maryland University Pennsylvania Academy of the Fine Arts Pennsylvania State University Philadelphia College of Osteopathic Medicine – Georgia Campus Philadelphia College of Osteopathic Medicine – Pennsylvania Campus Piedmont College Pomeroy College of Nursing at Crouse Hospital Queens University of Charlotte Randolph College Randolph-Macon College Rhodes College Rider University Rosemont College Rutgers Biomedical and Health Sciences Rutgers Post Doctorate, Grad Fellows, TAs & GAs Rutgers, The State University of New Jersey Saint Joseph's University Saint Peter's University Salus University Seton Hall University Seton Hall University Graduate & Law School Seton Hall University Medical Students Shenandoah University Southern College of Optometry Southwestern University St. Catherine University St. John's College St. Olaf College Stevens Institute of Technology SUNY New Paltz Sweet Briar College The College of St. Rose Thomas Jefferson University United States Sports Academy University of Maryland – College Park University of Richmond University of St. Thomas University of the District of Columbia University of the Sciences Urbana University Ursinus College Utah State University Villanova Law School Villanova University Virginia Wesleyan University Wabash College Wagner College Washington & Jefferson College Washington and Lee University Westminster College Widener University

Alternative To Student Health Insurance

Your student’s health plan options have broadened with the implementation of healthcare reform (ACA). It’s important to review all of your options, and decide which is best for you and your student.  Here are some alternatives to choosing a student health plan.

• Employer Coverage

  
  As a result of The Affordable Care Act (ACA), you can keep your student(s) on your employer plan until age 26 as a dependent. This is likely to be an easy solution, but there are some issues you should consider:
  Trend toward higher deductibles: To offset the increased benefits required by ACA, many employer plans are increasing the individual and family deductible. Large deductibles can make it difficult for your student to access healthcare. Geographically restricted managed care plans: If your student is attending college out of state, the care he or she receives while at school may be considered out of network and cost significantly more out of pocket. Dependent premiums increasing/employer contributions decreasing: As reported by JD Powers in 2012, employers have begun to pass along rate increases to their employees by decreasing their contribution to the employer health plan and increasing the employees’ dependent premiums. Also, employer-provided coverage may view the Student Health Center as an out-of-network provider.

  What should you do if you want to keep your coverage?
  If your student is currently covered by another health plan, and you’ve determined that the benefits and premium cost are appropriate, simply choose your school or university from the drop-down menu below. From there, you can select to waive student health plan coverage.

  Select School Allegheny College Arcadia University Averett University Brenau University Bryn Mawr College Bryn Mawr College – Pre-Medical Program Bucknell University Cairn University California Northstate University Catawba College Cedar Crest College Cedarville University Central Christian College Clarkson University College of Saint Elizabeth College of St. Scholastica Community College of Allegheny County (CCAC) Coppin State University D'Youville College Daemen College Delaware State University Delaware Valley University DePauw University Dickinson College Eastern Mennonite University Eastern University Edward Via College of Osteopathic Medicine Elizabethtown College Elmira College Eureka College Fairleigh Dickinson University Felician University Flagler College Friends University Gettysburg College Goucher College Grove City College Guilford College Gustavus Adolphus College Gwynedd Mercy University Hamline University Hampden & Sydney College Haverford College Hope College Illinois Wesleyan University Indiana Institute of Technology Johnson University Juniata College Keuka College La Roche University La Salle University Loyola University Maryland Mary Baldwin University Marymount Manhattan College Marywood University Mercy College of Ohio Messiah College Misericordia University Montreat College Moore College of Art and Design Moravian College Murphy Deming College of Health Sciences Niagara University Notre Dame of Maryland University Pennsylvania Academy of the Fine Arts Pennsylvania State University Philadelphia College of Osteopathic Medicine – Georgia Campus Philadelphia College of Osteopathic Medicine – Pennsylvania Campus Piedmont College Pomeroy College of Nursing at Crouse Hospital Queens University of Charlotte Randolph College Randolph-Macon College Rhodes College Rider University Rosemont College Rutgers Biomedical and Health Sciences Rutgers Post Doctorate, Grad Fellows, TAs & GAs Rutgers, The State University of New Jersey Saint Joseph's University Saint Peter's University Salus University Seton Hall University Seton Hall University Graduate & Law School Seton Hall University Medical Students Shenandoah University Southern College of Optometry Southwestern University St. Catherine University St. John's College St. Olaf College Stevens Institute of Technology SUNY New Paltz Sweet Briar College The College of St. Rose Thomas Jefferson University United States Sports Academy University of Maryland – College Park University of Richmond University of St. Thomas University of the District of Columbia University of the Sciences Urbana University Ursinus College Utah State University Villanova Law School Villanova University Virginia Wesleyan University Wabash College Wagner College Washington & Jefferson College Washington and Lee University Westminster College Widener University
  

• State And Federal Exchanges

  
  You’ve certainly heard about the federal health insurance exchange at healthcare.gov, and you may be familiar with your state’s exchange and its products.
  Comparing and enrolling in an exchange plan may be an option for your student, but as with employer insurance, there are little known issues to consider before enrolling in these plans:
  Young adults pay more: The Affordable Care Act (ACA) imposes a pricing restriction on exchange plans that ensures that older adults don’t pay more than 3 times the premium of younger adults. Because older adults use health insurance more frequently than young adults, the result is that the carriers have increased premiums for the younger enrollees so that they can offset less expensive premiums for older adults. No subsidies for employer plan-eligible students: This is true for all purchases on the exchange. If the potential enrollee can be covered under an employer provided plan that meets minimum value requirements, then they are not eligible for subsidies, even if their household income qualifies them otherwise.

  What should you do if you want federal health coverage?
  If you would like to enroll your student in a federal health exchange program, simply choose your school or university from the drop-down menu below. From there, you can select to waive student health plan coverage.

  Select School Allegheny College Arcadia University Averett University Brenau University Bryn Mawr College Bryn Mawr College – Pre-Medical Program Bucknell University Cairn University California Northstate University Catawba College Cedar Crest College Cedarville University Central Christian College Clarkson University College of Saint Elizabeth College of St. Scholastica Community College of Allegheny County (CCAC) Coppin State University D'Youville College Daemen College Delaware State University Delaware Valley University DePauw University Dickinson College Eastern Mennonite University Eastern University Edward Via College of Osteopathic Medicine Elizabethtown College Elmira College Eureka College Fairleigh Dickinson University Felician University Flagler College Friends University Gettysburg College Goucher College Grove City College Guilford College Gustavus Adolphus College Gwynedd Mercy University Hamline University Hampden & Sydney College Haverford College Hope College Illinois Wesleyan University Indiana Institute of Technology Johnson University Juniata College Keuka College La Roche University La Salle University Loyola University Maryland Mary Baldwin University Marymount Manhattan College Marywood University Mercy College of Ohio Messiah College Misericordia University Montreat College Moore College of Art and Design Moravian College Murphy Deming College of Health Sciences Niagara University Notre Dame of Maryland University Pennsylvania Academy of the Fine Arts Pennsylvania State University Philadelphia College of Osteopathic Medicine – Georgia Campus Philadelphia College of Osteopathic Medicine – Pennsylvania Campus Piedmont College Pomeroy College of Nursing at Crouse Hospital Queens University of Charlotte Randolph College Randolph-Macon College Rhodes College Rider University Rosemont College Rutgers Biomedical and Health Sciences Rutgers Post Doctorate, Grad Fellows, TAs & GAs Rutgers, The State University of New Jersey Saint Joseph's University Saint Peter's University Salus University Seton Hall University Seton Hall University Graduate & Law School Seton Hall University Medical Students Shenandoah University Southern College of Optometry Southwestern University St. Catherine University St. John's College St. Olaf College Stevens Institute of Technology SUNY New Paltz Sweet Briar College The College of St. Rose Thomas Jefferson University United States Sports Academy University of Maryland – College Park University of Richmond University of St. Thomas University of the District of Columbia University of the Sciences Urbana University Ursinus College Utah State University Villanova Law School Villanova University Virginia Wesleyan University Wabash College Wagner College Washington & Jefferson College Washington and Lee University Westminster College Widener University