{"id":53225,"date":"2020-07-15T13:00:48","date_gmt":"2020-07-15T20:00:48","guid":{"rendered":"https:\/\/world.edu\/?p=53225"},"modified":"2020-07-15T13:00:48","modified_gmt":"2020-07-15T20:00:48","slug":"4-things-students-should-know-about-their-health-insurance-and-covid-19-before-heading-to-college-this-fall","status":"publish","type":"post","link":"https:\/\/world.edu\/4-things-students-should-know-about-their-health-insurance-and-covid-19-before-heading-to-college-this-fall\/","title":{"rendered":"4 things students should know about their health insurance and COVID-19 before heading to college this fall"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-53226\" src=\"https:\/\/world.edu\/wp-content\/uploads\/2020\/07\/health-insurance.jpeg\" alt=\"\" width=\"680\" height=\"381\" srcset=\"https:\/\/world.edu\/wp-content\/uploads\/2020\/07\/health-insurance.jpeg 680w, https:\/\/world.edu\/wp-content\/uploads\/2020\/07\/health-insurance-250x140.jpeg 250w, https:\/\/world.edu\/wp-content\/uploads\/2020\/07\/health-insurance-600x336.jpeg 600w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/><\/p>\n<p>As colleges and universities decide\u00a0<a href=\"https:\/\/www.chronicle.com\/article\/Here-s-a-List-of-Colleges-\/248626\">whether or not to reopen<\/a>\u00a0their campuses this fall, much of the discussion has focused on the\u00a0<a href=\"https:\/\/theconversation.com\/ethical-challenges-loom-over-decisions-to-resume-in-person-college-classes-141346\">ethics<\/a>\u00a0behind the decision and the associated\u00a0<a href=\"https:\/\/people.orie.cornell.edu\/pfrazier\/COVID_19_Modeling_Jun15.pdf\">health risks<\/a>\u00a0of in-person instruction.<\/p>\n<p>As a researcher who\u00a0<a href=\"https:\/\/www.bu.edu\/sph\/profile\/paul-shafer\/\">studies health insurance policy<\/a>, I see two important gaps in this discussion: 1) Who should pay the cost of treating the inevitable COVID-19 cases that will occur; and 2) What do college students need to know about their coverage?<\/p>\n<p>Here are four things I think every college student \u2013 and those who care about them \u2013 should know about health insurance coverage when it comes to COVID-19.<\/p>\n<h4><strong>1. Weigh coverage options<\/strong><\/h4>\n<p>If you\u2019re covered under a student health insurance plan through your school, it may be worth considering whether that is still your best option. The Affordable Care Act allows, but does not require, dependents to stay on their parents\u2019 plan\u00a0<a href=\"https:\/\/www.healthcare.gov\/young-adults\/children-under-26\/\">until age 26<\/a>. Many students already take advantage of this, but if you don\u2019t, it may be worth a second look, particularly if your parents are insured and you are staying home this fall. The catch is that your parents\u2019 premiums might increase if they are switching from single or spousal coverage to family coverage.<\/p>\n<p>Students can also qualify for a\u00a0<a href=\"https:\/\/www.healthcare.gov\/coronavirus\/\">special enrollment period<\/a>\u00a0on\u00a0<a href=\"https:\/\/www.healthcare.gov\/\">HealthCare.gov<\/a>\u00a0\u2013 or their\u00a0<a href=\"https:\/\/www.healthinsurance.org\/state-health-insurance-exchanges\/\">state-specific<\/a>\u00a0health insurance marketplace \u2013 if their county or state of residence is changing. This is likely a good option only if students earn some income. That\u2019s because the financial subsidies for marketplace coverage kick in only if you are making at least 100% of the\u00a0<a href=\"https:\/\/aspe.hhs.gov\/2020-poverty-guidelines\">federal poverty level<\/a>, which is US$12,760 a year for a single person in the lower 48 states.<\/p>\n<p>If you don\u2019t earn any income or work only part-time, health insurance coverage through\u00a0<a href=\"https:\/\/www.medicaid.gov\/\">Medicaid<\/a>\u00a0may be an option, depending on where you live. If you live in a\u00a0<a href=\"https:\/\/www.kff.org\/medicaid\/issue-brief\/status-of-state-medicaid-expansion-decisions-interactive-map\/\">state that expanded Medicaid<\/a>\u00a0under the Affordable Care Act, or attend a college or university in a state that did, you have a better chance of being eligible. Childless adults can qualify for free or nearly free coverage in states that expanded Medicaid with incomes up to 133% of the federal poverty level, which is $16,971 in the lower 48.<\/p>\n<h4><strong>2. Ask how COVID-19 is covered<\/strong><\/h4>\n<p>All universities planning to reopen their residential campus are developing\u00a0<a href=\"https:\/\/www.bu.edu\/articles\/2020\/campuswide-covid-19-testing-plan-for-fall\/\">detailed plans<\/a>\u00a0with protocols that include measures like social distancing,\u00a0<a href=\"https:\/\/entrepreneurship.babson.edu\/babson-together-return-campus\/\">daily symptom reporting<\/a>\u00a0and regular testing. In these plans, a positive test will likely result in isolation, retesting, contact tracing and other measures to protect the student and their campus. However, treating complications of COVID-19 is a different story. Students will certainly be connected with treatment, but these plans don\u2019t often address who pays for it.<\/p>\n<p>Several\u00a0<a href=\"https:\/\/www.ahip.org\/health-insurance-providers-respond-to-coronavirus-covid-19\/\">major health insurance companies have committed<\/a>\u00a0to waiving out-of-pocket costs for COVID-19 treatment, but some already have plans to\u00a0<a href=\"https:\/\/www.marketwatch.com\/story\/most-major-health-insurers-arent-charging-patients-for-coronavirus-treatment-but-theres-one-big-catch-2020-05-01\">end this benefit<\/a>. There is certainly a\u00a0<a href=\"https:\/\/www.cbsnews.com\/news\/coronavirus-health-insurance-cover-covid-19-testing-treatment\/\">question of how this will work out<\/a>\u00a0given the potential length of the pandemic and cost of treatment for\u00a0<a href=\"https:\/\/www.npr.org\/sections\/health-shots\/2020\/06\/12\/875486356\/first-known-u-s-lung-transplant-for-covid-19-patient-performed-in-chicago\">severe cases<\/a>. Many of these national insurers are the companies behind student health insurance plans, so\u00a0<a href=\"https:\/\/hushp.harvard.edu\/coronavirus-disease-covid-19-health-insurance-faqs\">these policies may ultimately affect<\/a>\u00a0students, but not always.<\/p>\n<p>[<em>Deep knowledge, daily.<\/em>\u00a0<a href=\"https:\/\/theconversation.com\/us\/newsletters\/the-daily-3?utm_source=TCUS&amp;utm_medium=inline-link&amp;utm_campaign=newsletter-text&amp;utm_content=deepknowledge\">Sign up for The Conversation\u2019s newsletter<\/a>.]<\/p>\n<p>At Boston University, where I teach health policy, our Student Health Insurance Plan through Aetna is covering COVID-19 treatment\u00a0<a href=\"http:\/\/www.bu.edu\/shs\/coronavirus\/\">just like any other illness<\/a>, subject to the usual deductibles, coinsurance and copayments. Given that COVID-19 treatment can cost into the\u00a0<a href=\"https:\/\/www.kff.org\/health-costs\/press-release\/new-analysis-finds-inpatient-coronavirus-treatment-costs-could-top-20k-for-patients-with-employer-coverage\/\">tens of thousands of dollars<\/a>\u00a0or more for cases requiring hospitalization, a student could be responsible for their full\u00a0<a href=\"https:\/\/www.healthcare.gov\/glossary\/out-of-pocket-maximum-limit\/\">annual out-of-pocket maximum<\/a>\u00a0of\u00a0<a href=\"http:\/\/www.bu.edu\/shs\/files\/2017\/06\/bu-decision-guide.pdf\">either $3,000 or $5,500<\/a>\u00a0when those bills come due. The risk of severe complications is thought to be\u00a0<a href=\"https:\/\/www.vox.com\/2020\/3\/23\/21190033\/coronavirus-covid-19-deaths-by-age\">low among young adults<\/a>, but hospitalization rates are\u00a0<a href=\"https:\/\/www.cdc.gov\/coronavirus\/2019-ncov\/covid-data\/covidview\/index.html#hospitalizations\">on the rise<\/a>\u00a0among all age groups.<\/p>\n<h4><strong>3. Use telehealth<\/strong><\/h4>\n<p>Students may have other health care needs to be addressed during this pandemic but may not be able to or feel comfortable going to their student health or neighborhood clinic in person. Telehealth has been around for years, but the onset of COVID-19 has seen a dramatic shift in some health systems of moving nonemergency care online. Routine visits for chronic disease management and mental health care,\u00a0<a href=\"https:\/\/medium.com\/@BUexperts\/what-are-the-mental-health-effects-of-covid-19-on-young-adults-66d41878fa85\">a particular concern<\/a>\u00a0right now, are obviously critical to good health.<\/p>\n<p>Many\u00a0<a href=\"https:\/\/www.beckershospitalreview.com\/telehealth\/5-payers-waiving-telehealth-visit-costs-during-coronavirus-pandemic.html\">insurers<\/a>\u00a0and\u00a0<a href=\"https:\/\/students.tufts.edu\/health-and-wellness\/counseling-and-mental-health\/our-services\/telehealth-resources\">student health plans<\/a>\u00a0have waived copayments for telehealth visits. But some are already looking to\u00a0<a href=\"https:\/\/www.msn.com\/en-us\/news\/us\/telehealth-can-be-life-saving-amid-covid-19-yet-as-virus-rages-insurance-companies-look-to-scale-back\/ar-BB16iUcK\">scale back<\/a>\u00a0this benefit as states continue to reopen. Things don\u2019t always work as planned. Patients\u00a0<a href=\"https:\/\/www.msn.com\/en-us\/money\/insurance\/telehealth-will-be-free-no-copays-they-said-but-angry-patients-are-getting-billed\/ar-BB13hnuo\">still get billed<\/a>\u00a0sometimes for \u201cfree\u201d telehealth, so double-check before you pay any bills.<\/p>\n<h4><strong>4. Out-of-network care<\/strong><\/h4>\n<p>For students who decide to stay home this fall, or have to because their college or university is offering courses online only, an important consideration is whether and how generously their student health insurance plan covers\u00a0<a href=\"https:\/\/www.fairhealthconsumer.org\/insurance-basics\/healthcare\/in-network-and-out-of-network-care\">out-of-network<\/a>\u00a0care. A student may be in a different city, state or even country from their school, which means that the network associated with the student plan might not be accessible.<\/p>\n<p>Certainly, telehealth services can help work around this problem, but students may have care needs, unrelated to COVID-19, that require in-person care. Out-of-network coverage generally comes with a higher deductible and greater financial responsibility for the patient. For example, at the University of North Carolina, their StudentBlue plan comes with a\u00a0<a href=\"http:\/\/studentbluenc.com\/assets\/studentblue\/pdfs\/uncch\/uncch_2020_2021_student_blue_brochure.pdf\">$4,000 out-of-pocket maximum<\/a>\u00a0for in-network care, which doubles to $8,000 for out-of-network care.<\/p>\n<p>These higher costs can make a big difference in access to care. Poorer families will be\u00a0<a href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC4004054\/\">at greater risk<\/a>\u00a0of delayed or foregone care that can lead to negative health consequences down the road.<\/p>\n<p>Also, research has shown that when people don\u2019t understand their health insurance plans \u2013 as many college students may not due to their limited experience with it \u2013 it can lead people to\u00a0<a href=\"https:\/\/jamanetwork.com\/journals\/jamanetworkopen\/fullarticle\/2714507\">avoid care<\/a>\u00a0due to worries about cost. College students who want to learn more about the basics of health insurance can check out this\u00a0<a href=\"https:\/\/www.bestcolleges.com\/resources\/student-healthcare-guide\/\">BestColleges guide<\/a>.<\/p>\n<p>Students and their parents really need to understand their health insurance coverage heading into the fall semester, whether or not they go back to campus. Being informed is the best defense during this pandemic. Minimizing risks is critical, but it\u2019s also important to understand what a positive test could mean financially. Students should reach out to their student health office and health insurance company to get the facts about their coverage and what their financial responsibility would be if they were to get COVID-19 and need treatment.<\/p>\n<p><em><strong>Author Bio:<\/strong> Paul Shafer is Assistant Professor, Health Law, Policy, and Management at Boston University<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As colleges and universities decide\u00a0whether or not to reopen\u00a0their campuses this fall, much of the discussion has focused on the\u00a0ethics\u00a0behind the decision and the associated\u00a0health risks\u00a0of in-person instruction. As a researcher who\u00a0studies health insurance policy, I see two important gaps in this discussion: 1) Who should pay the cost of treating the inevitable COVID-19 cases [&hellip;]\n&hellip; <a href=\"https:\/\/world.edu\/4-things-students-should-know-about-their-health-insurance-and-covid-19-before-heading-to-college-this-fall\/\" class=\"more\">learn more&rarr;<\/a><\/p>","protected":false},"author":33,"featured_media":53226,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[29],"tags":[357264],"coauthors":[11733],"class_list":["post-53225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-higher-education","tag-health-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 things students should know about their health insurance and COVID-19 before heading to college this fall - World leading higher education information and services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/world.edu\/4-things-students-should-know-about-their-health-insurance-and-covid-19-before-heading-to-college-this-fall\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:locale\" content=\"en_US\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:type\" content=\"article\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:title\" content=\"4 things students should know about their health insurance and COVID-19 before heading to college this fall - World leading higher education information and services\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:description\" content=\"As colleges and universities decide\u00a0whether or not to reopen\u00a0their campuses this fall, much of the discussion has focused on the\u00a0ethics\u00a0behind the decision and the associated\u00a0health risks\u00a0of in-person instruction. 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