Does the plan exclude coverage for pre-existing conditions or for illnesses or injuries common to students?
Some plans exclude coverage for pre-existing conditions. Starting in 2014, the new federal health care reform law prohibits exclusions for pre-existing conditions. Some school-sponsored plans also exclude coverage for other types of illnesses or injuries that are relevant to a student population. Many student health plans have other exclusions which may be unlawful or otherwise improper1. If your school-sponsored plan excludes pre-existing conditions or includes other improper exclusions, you may want to consider other options. You also may want to request that your school switch to a plan that does not exclude these conditions. • Are in-network doctors available in the locale where I will be attending school and when I return home for vacations? Another factor you should consider when assessing a plan is whether in-network doctors are available in the locale where you will be attending school and in the locale where you reside during vacations from school, including summer vacation. I
