Obamacare Enrollment In Tennessee

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We’re here to help you navigate Student Health Insurance in Tennessee!

Welcome to HeathTN’s resources for Student Health Insurance in Tennessee!

Have your questions answered by local Agents, start a quote, or compare and enroll in Student Health Insurance Plans all from right here. With the Obamacare changes to the 2015-2016 Tennessee Health Insurance Marketplace landscape, knowing what are your available options are can feel like an overwhelming task. Most often our visitors are looking for student health insurance in Tennessee and for a low cost plan that can fit into their budget. We have tools specifically to assist college students and young adults just entering the Health Insurance Marketplace. Get started by clicking the enroll button above to compare your plan and options, this will connect you to our Tennessee Obamacare Enrollment Tool and if you get stuck at any point, just call the number to be connected with one of our licensed agents at (615)-541-4257.  They can answer questions, check your network or enroll you right over the phone.

What is a student health plan?

“Student health plan” refers to a special policy of health coverage that colleges and universities make available to their enrolled students. Typically the student plan is different from the employer-sponsored group coverage that colleges and universities offer their faculty and staff.

Does my student health plan have to cover contraceptives?

Generally, yes it does, if it is a fully insured plan. A fully insured plan is one that your college or university purchases from an insurance company. These plans are required to provide, without cost sharing, access to all FDA-approved contraceptive methods, sterilization procedures, patient education and counseling prescribed by a healthcare provider. Exceptions are made for religious institutions of higher education that have religious objections to providing contraceptive services. If you attend such a college or university, you will be able to seek contraceptive coverage at no cost directly from the health insurance company.

If your student health plan is a self-insured plan, it might not be required to cover contraceptive services. It’s up to states to regulate self-insured student health plans. Check with your college or university to find out what type of student health plan they offer, or check with your state insurance regulator to find out what rules apply to your student health coverage.

Does a student plan have to cover essential health benefits?

It does if it is a “fully insured” student health plan. A fully insured plan is one that your college or university purchases from a health insurance company. If your student plan is fully insured, it must cover essential health benefits, which include:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services including oral and vision care

However, if the student health plan is “self-insured,” it might not be required to cover essential health benefits. It’s up to states to regulate self-insured student plans. Check with your college or university to find out what type of student health plan they offer, or check with your state insurance regulator to find out what rules apply to your student coverage.

If I’m eligible for the student health plan but haven’t signed up yet, do I have to take that or can I apply for coverage and subsidies in the Marketplace?

Eligibility for a student health plan does not make you ineligible for Marketplace coverage and subsidies. Even if you are eligible for student health coverage, you can get coverage through the Marketplace. In addition, if your income is between 100% and 400% of the federal poverty level and you meet other requirements, you can qualify for premium tax credits; if your income is between 100% and 250% of the federal poverty level, you can also qualify for cost sharing reductions.

In addition, eligibility for a student health plan does not make you ineligible for Medicaid. Check with the Federal Marketplace to find out if you meet the income and other eligibility standards to enroll in Medicaid coverage.

I’m enrolled in student health coverage now, but now I think I can get a better deal in the Marketplace. Can I drop student health plan coverage and go to the Marketplace instead?

If you are currently enrolled in a student health plan, you can still qualify for Marketplace policies and subsidies if you apply during Open Enrollment. During Open Enrollment, you can sign up for a Marketplace plan and, if your income is between 100% and 400% of the poverty level you can also apply for premium tax credits. You will have to drop your student health coverage by December 31, 2014 in order to remain eligible for premium tax credits in 2015.

Outside of Open Enrollment, you cannot voluntarily drop your student health plan coverage in order to qualify for Marketplace coverage and premium tax credits. However, if you involuntarily lose eligibility for student health plan coverage mid-year – for example, if you drop out of school and so lose eligibility for the student health plan – you will qualify for a special enrollment opportunity and be able to apply for Marketplace coverage and premium tax credits. The special enrollment opportunity will last 30 days, so be sure to contact the Marketplace promptly to notify them of your qualifying event.

I’m a foreign student studying in the U.S., Does the requirement to have health coverage apply to me?

In general, yes. There is no group exemption for international students to the individual responsibility to have health coverage. However, you might qualify for another exemption to the requirement.

I’m an American college student and I plan to study abroad next semester. Am I required to have U.S. health insurance while I’m living in another country.

Yes, unless you qualify for another exception. In general, U.S. citizens with a tax home outside the U.S. and who are residents of a foreign country for the entire taxable year are exempt from the requirement to have health insurance in the U.S. But if you are a student temporarily living abroad for part of the year, and don’t qualify for any other exceptions, you would be required to have health insurance or else pay a penalty.

I’m about to turn 19 and I’m covered under my parent’s health plan as a dependent. How long can I stay covered as a dependent?

Health plans that offer dependent coverage must cover dependents up to their 26th birthday.

I’m going to a college that offers a student health plan. Can I stay covered as a dependent on my parent’s policy or do I have to take the student health coverage?

Yes. Eligibility for student health coverage does not make you ineligible to be covered as a dependent on your parent’s policy up to the age of 26.

I just got a job that offers health benefits, but my parent’s policy is better and less expensive to me. Can I stay on my parent’s policy?

Generally yes. Eligibility for group health benefits through your own job does not make you ineligible to be covered as a dependent on your parent’s policy up to the age of 26. One exception to this rule applies to grandfathered group health plans. These are plans offered by employers that were established prior to March 23, 2010 and that have not significantly changed since that date. If your parent’s policy is a grandfathered group health plan, it can refuse to cover you as a dependent if you are eligible for health benefits through your own job. However, this exception ends in 2014 as the grandfathered plan year renews. You will have to ask your parent’s health benefits administrator to find out about grandfather status of the plan.

I’m 24 and I used to be covered as a dependent on my parent’s policy. I dropped off last year when I found other coverage, but now I’ve lost that other coverage and want to get back on my parent’s policy. Can I do that?

Yes. You are still eligible to be covered as a dependent. Your parent’s plan must offer you a special opportunity to re-enroll because you lost other coverage. That special enrollment opportunity must last at least 30 days from the date you lost other coverage.

Do my parents have to claim me as a tax dependent for me to be on their health plan to age 26?

No. You do not need to be a tax dependent of your parents to continue to be covered as a dependent on their health plan.

Do I have to live in my parents’ home to be covered as a dependent under their policy?

No, living in your parents’ home is not a requirement for eligibility to be covered as a dependent under their policy.

Can I be covered under my parent’s plan if I’m married?

Yes, as long as you are younger than 26. Being married does not affect your eligibility to be covered as a dependent under your parent’s plan.

I’m under age 26, covered on my parent’s plan as a dependent, and I’m getting married. Does my parent’s plan have to cover my spouse?

No. Your parent’s plan is not required to cover your spouse.

I’m covered as a dependent under my parent’s plan and I’m pregnant. Will my parent’s plan cover my prenatal care and delivery? Will my parent’s cover my baby after he’s born?

Your parent’s plan is required to cover your maternity care and delivery. However, after that, the plan is not required to cover your child as a dependent. You will be responsible for obtaining coverage for your baby. Depending on your income, your child may be eligible for coverage under the Medicaid/CHIP program in your state. Or, you can buy a child-only policy through the Marketplace and, depending on your income, you may be eligible for a premium tax credit to reduce your cost of that coverage.

I’m covered as a young adult dependent on my parent’s policy now, but my 26th birthday is next summer, at which point I won’t be eligible for dependent coverage any longer. Should I apply for Marketplace plans and subsidies now, during Open Enrollment?

You can remain covered as a dependent on your parent’s policy until you turn 26. Once you lose eligibility as a dependent, you will qualify for a special enrollment opportunity. At that point, you will also be able to apply for health coverage and assistance through the Marketplace, even though it won’t be during a regular Open Enrollment period.

Can children stay on a parent’s plan until age 26?

If a plan covers children, they can be added or kept on the health insurance policy until they turn 26 years old.
Children can join or remain on a plan even if they are:

  • married
  • not living with their parents
  • attending school
  • not financially dependent on their parents
  • eligible to enroll in their employer’s plan

 

If you have any additional questions regarding Tennessee Health Insurance You can always contact us at the number above or email us at “info@continentalha.com”!  It would be our pleasure to assist you with any of your heath insurance needs.

Tennessee Health Insurance

At HealthTN.com we have been serving Students and Young Adults in Middle, East and West Tennessee for the last 5 years as an extension of Continentalha.com. Our agents are from every corner of the state and are ready to serve your needs in Nashville, Knoxville, Chattanooga, Jackson and all surrounding areas in East, Middle and West Tennessee. We can have an agent connect with you and schedule an appointment at your convenience usually within 24 hours.