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Student Health Insurance

We strongly recommend that all students have health insurance to defray the cost of their health care. 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 utilized 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.
The basic visit fee for visits to the Brady Health Center is $15.00 (similar to most health insurance co-pays).  We do keep our charges at the health center as low as possible to keep our care affordable.  A link to the current fee schedule for the Brady Health Center can be found on the General Information page under Health Fees. Students can pay for services at the health center by cash, check, Bobcat Express or charges can be billed to their student account.
 

What health insurance can a student obtain?

Frostburg State University does not have a student health insurance plan for the 2013-14 school year.  Students who do not have health insurance should visit Healthcare.gov or their State Health Insurance Exchanges which are available as of October 1, 2013, to see what options they have for affordable health insurance. 

Affordable Care Act Information

 There is a lot to the health care law (Affordable Care Act), but it is based on a few simple principles that are described below:

  • If you don't have adequate health insurance coverage, you can use the new Health Insurance Marketplace to buy a private insurance plan.  
  • Pre-existing conditions are covered. Many preventive services are also covered at no extra cost.
  • All health plans must include essential core benefits as doctor visits, hospitalizations, emergency care, maternity care and treatment, pediatric care, prescriptions, medical tests, mental health care and substance abuse.
  • Depending on your familly size and income, you may get lower costs on monthly premiums and out-of-pocket costs.
  • You may qualify for free or low-cost coverage from Medicaid. Many states are expanding Medicaid to cover more people in 2014.
  • If you have health insurance coverage and you want to explore Marketplace plans, you can.  However if you have an offer of insurance from an employer, you may not be able to get lower costs on Marketplace insurance based on your income.  It depends on whether the insurance you're offered is considered affordable and meets the minimum standards.
  • Medicare is not part of the Marketplace.  If you have Medicare, keep it.
  • Marketplace Open Enrollment starts October 1, 2013.  It closes March 31, 2014.

State Health Insurance Exchanges (also called Health Insurance Marketplaces) are available as of October 1, 2013 for individuals to be able to choose insurance plans that will start in January 2014. For students who are residents of the State of Maryland, the Maryland Health Connection (855-642-8572) is the state's new health insurance marketplace that will make it easier to shop, compare and enroll in quality health insurance coverage.  There you can determine your eligibility for Medicaid coverage or for financial assistance to reduce the cost of your health insurance, based on household income.   Students who are not Maryland residents, should visit Healthcare.gov to be directed to health insurance exchanges from their own states.

Another resource for Western Maryland is the Door to HealthCare a program of Healthy Howard, Inc. which provides free help to residents of six Maryland counties in choosing affordable, quality health coverage.  The Door is the official source for information about new health insurance options in the counties of Allegany, Carroll, Frederick, Garrett, Howard and Washington. Visit them online (click on link above) or call toll free at
855-288-DOOR (855-288-3667).  Trained and certified staff are ready to assist individuals.  There are local offices in Allegany County at the Allegany County Health Department (301-759-5098) and Tri-State Community Health Center (301-722-3270).

Click on the links below for further information:

HealthCare.gov

Maryland Health Connection

Maryland Health Benefits Exchange

Door to HealthCare