Tennessee Young Adult & Student Health Insurance

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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. 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.

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.

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 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, 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.

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.

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 will 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. 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 615-541-4257. It would be our pleasure to assist you with any of your health insurance needs.

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ABOUT TENNESSEE HEALTH INSURANCE

At HealthTN.com we have been serving Tennesseans in West, Middle and East Tennessee for years. We’ve currently serve over 15,000 Tennesseans with all aspects of their health insurance needs. Can’t get out to see an agent? No problem We have trustworthy Local Tennessee Agents, in house, from all surrounding areas of Tennessee. Our agents can connect with you in minutes or meet with you in as little as 24 hours. Thank you for the chance to serve you and your families Health and Medicare needs!

This website is operated by Continental Health Alliance, LLC DBA HealthTN.com and is not the Health Insurance Marketplace website. In offering this website, HealthTN.com is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.
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