Health Insurance Leads Chicago Illinois IL

Reader’s Question:

My son will be going to college out of state very very soon. His health insurance coverage is only within Chicago Illinois IL. Emergencies outside IL will be covered, although would not count so much because he will be away full time. Will it be a great idea if I’d sign him up for a student health insurance through his university and cancel his health card? He has a Blue Cross HMO. I was told university insurance might be expensive.

Pete

Chicago IL

I suggest you better check to see if your Blue Cross HMO has any providers under contract in the states where your son will be attending college. If there will be none or just a few, your current health insurance card will be of no use while your son is still in college. You better check first if the university health insurance is a comprehensive plan. That mightl be a better option for your son’s health insurance while he is away from Chicago Illinois IL. But make sure that your son’s coverage will not be limited to the university will cover even outside the school year and even in IL which is home.

Verify if the insurance company has a track record of financial stability and good ratings from unbiased reports, opinions of your friends, and colleagues because you want a smooth process during claims.

I remember when my daughter had to leave for an exchange student program in Canada 2 years ago. Her health insurance card was only limited to US states and she was to stay in Canada for 2 years for that program. I had to cancel her old health insurance card after I purchased one from her school in Canada. That is why it is important that before you cancel anything, better make sure your son is already with health insurance coverage, especially is he is starting to travel. This will ensure that he is protected by health insurance, wherever he goes.

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