With President Barack Obama’s new health care reform in place, one Michigan medical insurance issue remains unresolved: college health plans. Adequate medical coverage, service and costs are areas of contentious gaps. From university to college, the terms of Michigan medical insurance accompany differing stipulations. Many colleges sponsor their own health plans in affiliation with major Michigan medical insurance agencies. The problem is that the benefits, out-of-pocket costs and premiums vary widely.
While many colleges, across the state of Michigan, require students to subscribe to the policies offered on campus, a slew of college health plans lack adequate medical coverage. Upon a close analysis, the cost and medical care discrepancies show that many college health plans pale in comparison to the costs and services provided by a standard individual Michigan medical insurance policy.
Even though health care services are being included as one of the tuition fees, students should not expect comprehensive medical care. At Michigan State University, students have access to University Health Service (UHS). However, individuals, who are afflicted with a pre-existing condition, have a six-month waiting period for benefits to become effective. Even once the pre-existing benefits are covered, students still have to obtain a referral for any care that is not provided at Olin Health Center.
Michigan medical insurance requirements are slightly different at the University of Michigan. Tuition includes a health service fee that does not cover immunization, prescriptions or medical emergencies. Although the University of Michigan recommends that students purchase Aetna Student Health Policy #711146, the President of Michigan Health and Life, Michael Novelli advises students to obtain standard Michigan medical insurance quotes, comparing what’s actually covered to the college sponsored health plan. Exclusions are often obscured in the policy.
Alternatively, before students opt out of the college sponsored health plan, they should remember to search for a Michigan medical insurance policy affiliated with a sizeable network of physicians. Many universities, across the nation, have been found to impose exorbitant fees on students, seeking care from the campus health facility and who are not covered under the featured college health plan.
In cases, where the student is a resident in one state but attends a college in Michigan, health insurance agents recommend shopping for coverage by address. For instance, Michigan medical insurance plans are more economical than the ones offered in the state of New York.
While the premiums and deductibles on many college sponsored heath plans appear nominal, be sure to check the policy for excluded services. For example, numerous medical services are not included in many plans (prescriptions, routine physicals and immunizations).
Despite the national health care reform’s authorization for students (under the age of 26) to maintain their parent’s coverage, in certain situations, students save more on an individual Michigan medical insurance than with a policy provided via a parent’s employer. Mr. Novelli also advises that students shop around for several Michigan medical insurance quotes to compare to the college sponsored benefits, but also compare the co-payment and other fees associated with the campus medical services to prevent any hidden costs or mystery medical expenses bills.