The Department of Health and Human Services has published their proposed rules on the status of student health insurance coverage under the new bill, the Affordable Care Act, and with it comes some new updates. According to the article “Health Care Reform Update: Proposed Rule on Student Health Coverage” on NACUBO.com, the proposed rules have defined student health insurance as individual health insurance giving student health care reform some more requirements to meet the needs of students.
Here are some criteria student health insurance plans must meet:
Plans have to be offered with a written agreement between a college or university and a health insurance carrier
Plans have to cover students and their dependents
Plans are only available through enrollment in the school
Cannot deny students coverage because of a pre-existing condition
No co-payments for preventative care
No lifetime limits on health care benefits
These stipulations match the new rules set forth for all individual health insurance policies under health care reform and is designed to protect students and their rights. It should allow more students to receive quality, and affordable health insurance coverage while they are enrolled in school. It makes a lot of sense to have it match all other health care requirements.