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Post by jeremysgirl on Feb 7, 2022 19:35:35 GMT
Update: thanks for your responses and the couple PMs I received. I have reached out to my HR department and I will see if I have some options.
After reading the other thread, I'm curious what you guys are doing when your college kids/young adults move out of state for healthcare?
I have excellent healthcare and cover my children. One of my children is moving out of state. She needs good healthcare but I'm concerned none of the local doctors are going to accept my policy. So what happens? Am I to buy her another policy on the market?
What do you do with your college students?
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Post by cme37 on Feb 7, 2022 19:41:56 GMT
I opted for the PPO plan at my work that gives coverage for out of network in case he went to an out of network provider.
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Post by ~summer~ on Feb 7, 2022 19:42:53 GMT
We are Kaiser and we just made sure there are kaiser doctors and hospitals near him.
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Post by Linda on Feb 7, 2022 20:09:05 GMT
my middle is out of state but we have a blue cross/blue shield plan and it should work just fine where she is.
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Post by **GypsyGirl** on Feb 7, 2022 20:12:58 GMT
Have you checked the insurance company's list of doctors online? I'd say to check with both your insurance company, as well as your company's HR to find out how out-of-state/out-of-network claims are handled. You need to know that anyway for when you travel out of state.
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Post by Basket1lady on Feb 7, 2022 20:15:27 GMT
We use Tricare Prime and had to switch them to Tricare Standard because there wasn’t a military medical facility nearby. We paid $300 out of pocket and then 20% after that. But both kids had health care clinics on campus. I think it was $50 for a visit for DS and for DD health care was included in her tuition.
Both schools also offered policies for their students, so look into that. It may be a cheaper option.
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kelly8875
Pearl Clutcher
Posts: 4,391 
Location: Lost in my supplies...
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Post by kelly8875 on Feb 7, 2022 20:20:54 GMT
Our insurance is good anywhere. We can choose any doctors we want/need, there's no in/out of of network for our plan.
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Post by Monica* on Feb 7, 2022 20:25:02 GMT
my middle is out of state but we have a blue cross/blue shield plan and it should work just fine where she is. Same here. But I do recall that the University offered student insurance that you could waive if covered elsewhere. |
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Post by tommygirl on Feb 7, 2022 20:34:53 GMT
We have a BCBS policy. We just called them and told them the state /area our child was moving to and they were able to issue them a new card that they can use to be in network in their area. We started doing this when our kids went out of state to college.
It has never been an issue for any of my 3 kids.
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used2scrap
Drama Llama
Posts: 6,036
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Post by used2scrap on Feb 7, 2022 20:40:15 GMT
It’s been complicated, but I don’t know how much of that is Tricare Prime vs insurance in general. Oldest has a primary care manager local to his university area from a list of approved providers. There were some extra premiums because he was in a different region. Now dd is in school too, but parents moving has everyone back in the same region that extra premium is gone. Dd keeps her primary care manager local, but lives a few hours away while in school. She either sees the dr when she visits for routine care, or uses telehealth visits for mental health (after initial in person visits) and to get referrals to local to her urgent care for acute issues, which so far has worked well. She’s underage so that’s an additional complication.
Both also pay for supplemental care through their universities and have used on campus services but it’s been hit or miss with availability with Covid and weather closures.
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Post by Linda on Feb 7, 2022 20:56:36 GMT
my middle is out of state but we have a blue cross/blue shield plan and it should work just fine where she is. Same here. But I do recall that the University offered student insurance that you could waive if covered elsewhere. mine is actually taking online classes at a Univ. near us (in-state) but living out of state. But she can stay on our insurance until she's 26 I think it it (she's 21 now) WAY back in the day, I had student insurance that was covered by my student loans...my folks didn't have medical insurance at all and it was mandatory in Massachusetts then for all college students...good thing too since it ended up covering an ER visit, months of physio, and a pregnancy/delivery. |
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CeeScraps
Pearl Clutcher
~~occupied entertaining my brain~~
Posts: 3,831
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Post by CeeScraps on Feb 7, 2022 21:00:09 GMT
When in college we were able to get our daughter an "out of area" or something like that coverage under our insurance. So what we had to do was contact the insurance company about a month prior to her leaving. We had to submit her address at college. Then she was covered until school ended in the Spring/Summer. We had to do that each year of her college education.
I don't know if they'd cover her if she wasn't in school. We never had to check into that.
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Post by iamkristinl16 on Feb 7, 2022 21:03:24 GMT
I would call the insurance company (or see if it is listed on their website) and find out if there are providers in the area that she is moving to that are in-network and then go from there.
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Post by jeremysgirl on Feb 7, 2022 21:36:41 GMT
I would call the insurance company (or see if it is listed on their website) and find out if there are providers in the area that she is moving to that are in-network and then go from there. There aren't. I looked online. I naively thought she would be able to continue telehealth visits with her local doctors until she can get a job with health insurance for herself. She is not a college student so on campus insurance/clinics isn't a possibility. I did look on healthcare.gov and she can enroll now with an address change. So that is an option for her. A costly one. When I have excellent insurance which is terrible. Oh why can't we have universal healthcare? |
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johnnysmom
Drama Llama
Posts: 5,682
Jun 25, 2014 21:16:33 GMT
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Post by johnnysmom on Feb 7, 2022 21:48:33 GMT
I would call the insurance company (or see if it is listed on their website) and find out if there are providers in the area that she is moving to that are in-network and then go from there. There aren't. I looked online. I naively thought she would be able to continue telehealth visits with her local doctors until she can get a job with health insurance for herself. She is not a college student so on campus insurance/clinics isn't a possibility. I did look on healthcare.gov and she can enroll now with an address change. So that is an option for her. A costly one. When I have excellent insurance which is terrible. Oh why can't we have universal healthcare? Would it be cheaper to just pay the out of network upcharges? |
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Post by jeremysgirl on Feb 7, 2022 22:04:45 GMT
There aren't. I looked online. I naively thought she would be able to continue telehealth visits with her local doctors until she can get a job with health insurance for herself. She is not a college student so on campus insurance/clinics isn't a possibility. I did look on healthcare.gov and she can enroll now with an address change. So that is an option for her. A costly one. When I have excellent insurance which is terrible. Oh why can't we have universal healthcare? Would it be cheaper to just pay the out of network upcharges? I'll have to look and compare. She's relatively healthy but needs psychiatric care and endocrinologist. |
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sassyangel
Drama Llama
Posts: 7,456
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Post by sassyangel on Feb 7, 2022 22:28:05 GMT
Not necessarily. Depending on the type of plan (self- insured vs fully- insured) we normally create special plans for OOA dependents, to allow them to get their parents benefits while living out of state. But it would depend on your insurer and employer. I would talk to your company health benefits person on what options you have.
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Post by Basket1lady on Feb 7, 2022 23:35:31 GMT
I would call the insurance company (or see if it is listed on their website) and find out if there are providers in the area that she is moving to that are in-network and then go from there. There aren't. I looked online. I naively thought she would be able to continue telehealth visits with her local doctors until she can get a job with health insurance for herself. She is not a college student so on campus insurance/clinics isn't a possibility. I did look on healthcare.gov and she can enroll now with an address change. So that is an option for her. A costly one. When I have excellent insurance which is terrible. Oh why can't we have universal healthcare? I’m not sure of the ins and outs of it, but when DS was no longer a full time student (and thus couldn’t use our insurance, plus he had a contractor position and the contract didn’t include any benefits) he got insurance through the state of Minnesota for about $200 a month. It was very basic, but I thought that the cost was reasonable. I forget now what the age cuts offs are, but I think it’s 22 where you can keep your kids on your insurance if you pay more than 50% of their upkeep. |
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peabay
Prolific Pea
Posts: 9,630
Jun 25, 2014 19:50:41 GMT
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Post by peabay on Feb 7, 2022 23:37:38 GMT
We've had no problems. We have a major insurer and we've had kids go to 4 different out of state colleges (in 4 different states) and it's never been an issue. Our insurance has always been accepted.
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Post by littlemama on Feb 8, 2022 0:05:06 GMT
Wouldnt it be great if healthcare worked everywhere- and wasnt tied to employment?
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Post by maryland on Feb 8, 2022 0:18:45 GMT
I called our insurance company and had them email a list of all doctors, urgent care and hospitals that our college kid could go to out of state. I want proof not just what they say on the phone.
My daughter was sick last Sunday, 101 fever, sore throat, sore ears and headache. She went to the in network urgent care that everyone loves at her university. They were awful, didn't check my daughter's throat or ears. So I had to call the insurance company again and see if it was okay to take her to another urgent care. It was very expensive having to pay two co-pays!
The next night she called in the middle of the night because she had a nosebleed for over 30 min. and it wasn't stopping. All urgent cares were closed, but it finally stopped 10 min. later. Next day I called to see what hospitals she could go to if an emergency happens. Don't want to get stuck with a big bill because she went to the wrong place.
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Post by hop2 on Feb 8, 2022 0:25:45 GMT
I am very lucky that my employer has many employees who live in the neighboring state where my children live. This way they could stay on my excellent insurance until they are 26.
If not I guess they’d have to get their own.
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Post by cmpeter on Feb 8, 2022 0:30:04 GMT
It wasn't a problem for us, our insurance covered DD when she was out of state.
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maryannscraps
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Aug 28, 2017 12:51:28 GMT
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Post by maryannscraps on Feb 8, 2022 15:39:22 GMT
It was a huge problem for us when DS was in college out of state. Campus health services insisted our private insurance, that the college accepted, was Medicaid and wouldn't treat his strep throat. They were complete assholes about the whole thing. We finally just took him off our plan while he was in college and put him on the plan offered by the school and hoped he didn't get sick over the summer when he was home.
He's 23 now, and moved out of state. He ended up buying his own plan with his job.
Remember when the Republicans canceled the portability between states of ACA health insurance? I do.
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peppermintpatty
Pearl Clutcher
Refupea #1345
Posts: 3,854
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Post by peppermintpatty on Feb 8, 2022 17:28:35 GMT
My insurance in good everywhere in the US (Cigna). DD is in grad school in Delaware and she is still under our plan. She hasn't had any issues. DS is in college but he is still fairly close so it isn't a problem for him either.
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Post by melanell on Feb 8, 2022 17:31:54 GMT
We have a PPO, so we always have the option of out of network care. So if the kids were to move out of state for school, we'd probably ask them to arrange for their preventative care visits while at home, if possible, but otherwise they could just see anyone they wished and still have a degree of coverage.
However, I do recall from my health care employment days that some plans did allow for a new network to be assigned to a family member who is temporarily living elsewhere if the company had any networks at all in that new area. I know we often had requests to set up a student in a new network, and in many cases we were able to do that.
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