Health insurance basics for college students | Blue Cross Blue Shield

3 Key Steps to Take Control of Your Health

In the midst of all the excitement and preparation for the upcoming school year, health insurance is often the last thing on a college student’s mind. But it’s crucial to have a plan in place, so you can focus on what really matters – your education. Here’s a simple three-step guide to help you navigate the basics:

Step 1: Ensuring Health Insurance Coverage

To begin with, it’s important to have health insurance while you’re in college. There are several options to consider:

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• Stay on your parent’s plan: If you’re under 26, you can choose to remain on your parent’s health insurance plan. Contact your Blue Cross Blue Shield provider for more information on out-of-state coverage if needed.

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  Student plans: Many schools offer their own student coverage plans, which are suitable for basic healthcare needs. Reach out to your school for further details.

• Health Insurance Marketplace: Another option is to purchase health insurance through the Marketplace, where you may qualify for financial assistance from the government. Additionally, you can check if you’re eligible for Medicaid.

Step 2: Knowing Where to Seek Medical Care

Once you have health insurance, it’s crucial to know where you can use it in case you get sick. Take some time to explore your options on your Blue Cross Blue Shield company’s website. You can also utilize the BCBS health provider locator to find in-network doctors and urgent care centers near your campus.

Keep in mind that visiting an out-of-network doctor or hospital can result in higher expenses or no coverage at all, depending on your plan. Many colleges also have student health clinics on campus, providing convenient healthcare options for students without easy access to off-campus facilities. Check with your campus clinic to confirm which insurance plans they accept.

Step 3: Choosing a Pharmacy

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Whether you require regular prescriptions or simply need over-the-counter medications for occasional illnesses, it’s essential to have access to the medications you need while at school. Consider using a mail-order pharmacy for ongoing prescriptions, as they deliver medications directly to your doorstep, saving you time and money. Contact your Blue Cross Blue Shield carrier to learn more about mail order options for your specific plan.

To address immediate medication needs, it’s prudent to identify a local pharmacy. Some schools may have on-campus pharmacy services, but a quick online search will help you locate other nearby options. Prior to sending your prescription, ensure that the pharmacy accepts your BCBS coverage.

Expert Assistance is Just a Call Away

If you have any questions or concerns about utilizing your health insurance coverage during the school year, don’t hesitate to reach out for support. The fastest way to get answers is by calling the 1-800 number on the back of your BCBS member ID card. You can also connect with your BCBS company on Twitter or Facebook for additional assistance.

Remember, taking care of your health is just as important as excelling in your studies. By following these three essential steps, you’ll be well-prepared to manage your health while enjoying a successful and fulfilling college experience.

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