Have your questions answered by local Agents, start a quote, or compare and enroll in Student Health Insurance Plans all from right here. Understanding 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. 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.
“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.
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.
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:
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.
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 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.
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, 2018, in order to remain eligible for premium tax credits in 2019.
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.
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.
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 will last at least 30 days from the date you lost other coverage.
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.
No, living in your parents’ home is not a requirement for eligibility to be covered as a dependent under their policy.
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.
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:
If you have any additional questions regarding Tennessee Health Insurance, you can always contact us at 615-541-4257. It would be our pleasure to assist you with any of your health insurance needs.
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