What do students need to know about choosing a health insurance plan?
If they're under 26, they can still be covered under their parent's plan, assuming they have one. Here's what to be aware of: 1. Whether it's an HMO or a PPO 2. In & out of hospital deductibles 3. Co-insurance maximums 4. Stop loss 5. Pre-existing condition clauses 6. Exclusions 7. Cost, and how have rates changes in the past 5 yrs or so 8. Smoker/non-smoker rates 9. Pre-certification or not 10. Those are the basics