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Category: Health Insurance Resources
Health Insurance Resources
Understanding the issue: Telemedicine Access, Utilization Trends and Challenges in Student Health Insurance
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Student Mental Health on Campus: A Review of Claims
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College students at residential campuses benefit from access to student health insurance programs
JED recommends that schools research the feasibility of offering a school-sponsored health insurance policy. In alignment with this recommendation, HBC (Hodgkins Beckley Consulting) released study data in March 2017 affirming the benefits when students are provided health insurance by the university. A PDF copy of HBC’s press release can be found by clicking here.
Sample Student Health Insurance Resources by JED Campuses
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School research on university-sponsored health insurance
The University of Washington’s Director of Health Promotion did research with students in public health and put together this amazing slide deck with data, testimonials and why it’s important that they consider JED’s recommendation to implement an insurance plan for all full-time students.
Click below to view the presentation for examples and insights into implementing an insurance plan for all full-time students on your campus.
JED Recommendations: Health Insurance Resources
PROVIDE MENTAL HEALTH AND SUBSTANCE ABUSE SERVICES:
HEALTH INSURANCE RESOURCES
A school should take an active role in helping students find adequate and comprehensive health insurance coverage.
This is one of five main objectives in the Mental Health and Substance Abuse Services domain.
Under this objective, schools may take the following action steps:
- Research the feasibility of offering a college-sponsored health insurance policy if one does not already exist.
- A school sponsored plan should be affordable
- A school sponsored plan should provide parity in coverage and be non-discriminatory between general physical health and mental health care and services.
- If feasible, require health insurance for all full-time students requiring a hard-waiver such that personal insurance is equally comprehensive.
- The school-sponsored health insurance plan is recommended to include comprehensive coverage for mental health and substance abuse services including:
- inpatient hospitalization
- partial hospitalization
- intensive outpatient treatment
- therapy sessions
- addiction counseling
- medication assisted treatment (buprenorphine, methadone, suboxone) for students with opioid use disorders
- psychiatric medication management/psychiatry
- adequate coverage for medication (i.e. little-to-no out-of-pocket expense for medication)
- Develop a written resource to assist students and families in making informed decisions when choosing between the school-sponsored health insurance plan and other health insurance options. The resource ideally will prompt students and their families to ask specific questions of their insurance carrier and of themselves increasing the likelihood that the student will have adequate coverage while they are at school. These include:
- Does the plan provide the same coverage for the student while they are out of state at college as it does in state or is coverage limited to urgent care?
- Are there in-network providers near the college that the student will be attending?
- How current is the list of in-network providers?
- Are they accepting new patients?
- Will the student require transportation to access the providers and if so, is transportation available?
THIS CONTENT CAN ALSO BE FOUND IN THE JED CAMPUS PLAYBOOK GUIDE.
To view all playbook resources related to Health Insurance Resources, click here.
