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Student Health Insurance
We strongly recommend that all students have health insurance to defray the cost of their health care. Parents and students are encouraged to research companies they are familiar with before choosing a health insurance plan. With the changes mandated by the Affordable Care Act, many students are now able to stay on their parent's health insurance up to the age of 26 and this possibility should definitely be investigated.
Can a student use their health insurance at the student health center?
No, we are not a participating provider with any health insurance company. Students are responsible for payment of fees at the health center at the time of their care. A detailed receipt is provided to the student for each visit with the specific charges and codes. This can then be submitted to the insurance company for reimbursement. We do not bill insurance companies directly. Health insurance needs to be utlizied when care is provided outside the health center. For example, if a student needs care at the emergency room or if a student needs additonal diagnostic tests or medications, health insurance would be utilized
What health insurance can a student obtain?
Many options are available for students to choose from. Frostburg State University does not have a specific student health insurance plan for the 2012-13 school year. One option to consider is listed below.
The American College Student Association provides student injury and sickness plans. With insurance changes required by the Affordable Care Act, this health insurance plan will only be offered through January 31, 2014.
- underwritten by UnitedHealthcare Student Resources.
- several options are available and plans may be purchased for 12, 9, 6, or 3 months at a time.
- strong nationwide PPO network
- prescription drug coverage
- plans may be purchased at www.acsa.com
To view the details of the available plans, click on student health plans
Under the Affordable Care Act (ACA), State Health Insurance Exchanges should be available by October 1, 2013 for individuals to be able to choose insurance plans that will start in January 2014. Under the ACA, essential health benefits are required for a plan to be sold through the exchanges; insureres must cover certain preventive services at no cost to enrollees; unsurers can't charge higher premiums based on gender or health status; insurers are restricted from imposing lifetime or annual coverage limits on essential beneftis and insureres must provide standardized summaries of benefits and coverage so so consumers can easily understand and compare plans.
Click on the links below for further information: