College-sponsored Health Plans

College-sponsored Health Plans

HMO Benefits - Many colleges and universities offer managed-care or HMO-styled student health plans that are based on serviced contracted with local health care providers. Such plans make it easy for a student to access care. At the beginning of each semester coverage is issued and it terminate when the student leaves college. Pre-existing Medical Conditions – You need to pay particular attention to the treatment of pre-existing medical conditions. Usually student health plans provide limited coverage for pre-existing medical conditions that started before the student started the policy. It would be unrealistic to suppose that any student health plan would assume the cost of an existing plan of treatment for a major medical situation. If a student health plan states that pre-existing conditions are covered, there is no assurance that the same plan of treatment will be continued and there may be a gap in treatment during the change in health plans. College-sponsored health plans do not usually cover normal maternity (delivery) costs, weight control treatments, mental care, dental care, vision care, over-the-counter drugs and some prescription drugs.