With 12 years of school behind them and summer ahead of them, we’re willing to bet your kids are more concerned with a tan than health insurance. That’s where you come in.
Even when they’re 18, your kids are still your babies, so it’s time to help them get schooled on health coverage for when they leave the nest.
Your kids can stay on your Delta Dental plan until age 26, but what about health insurance?
College kids are required to have some form of health insurance, and those who have health and dental coverage are more likely to get regular checkups.
Here are health insurance options to pitch your pre-college kids:
• Kids are able to stay on their parents’ health insurance plan until age 26 as part of the Affordable Care Act (ACA),
If kids live or attend school in another state, access to doctors and dentists may be limited.
Some universities require students enroll in their student health program. In that case, keeping children on your plan may not be an option.
• Familiarize yourself with their university insurance plans and/or health resources.
Approximately 3 million young people are covered by student health plans. See if their school offers one.
If their school doesn’t offer full insurance, it can still provide healthcare resources, including: nearby dentists and doctors, clinic offerings and cost-efficient tips.
• Consider a catastrophic health plan.
These plans protect your kids from worst-case scenarios.
They provide less coverage overall than typical plans, but cost less on a month-to-month basis.
No matter which insurance route seems right, be sure to explore all their options and help them make the smartest decision.