Old Dominion University recommends that all students have adequate health insurace coverage to cover services beyond the scope of the campus health center. The University does not sponsor a group student health insurance plan, but provides resources for students to search for individual health insurance plans. If you are not covered by a group plan (parents, spouse, or employer sponsored), here is some information that may assist you in searching for an individual or family plan. It is important to read carefully and consider all of your options when making a decision about purchasing health insurance for yourself or your family. Make sure you get a thorough explanation of benefits that are covered, any plan exclusions or limitations, whether you are required to use a network of providers, plan maximum, deductibles and copays and whether there is an out-of-pocket annual maximum. Be aware that some individual plans limit coverage for mental health conditions or do not cover pregnancy unless you request a pregnancy rider. Even if you have never had psychological problems, you should expect to find this coverage in any good policy.
Web Sites that may be of assistance:
US Department of Labor, Frequently Asked Questions About Portability of Health Coverage and HIPAA
- Department of Labor: COBRA Extension of Coverage
- A summary article about health insurance choices for college students (does not sell insurance) http://www.slba.com/choicearticle.html
- Virginia Bureau of Insurance, State Corporation Commission
http://www.scc.virginia.gov/division.boi.index,consumer inquiries (804) 371-9741 and information aspx on federal health care reform.
Visit websites below to assist you in searching for individual health insurance plans:
- Aetna Individual Plans in Virginia
- Blue Cross & Blue Shield Plans in Virginia
- Blue Cross & Blue Shield Plans in Northern Virginia
- Health Insurance for Children (FAMIS)
- Optima Health Plans in Virginia http://www.optimahealth.com
- A web site to help you search for individual or family plans by your area of residence
Federal Health Care Reform Information
Additional options for student health insurance coverage include:
- Adult dependents being covered under their parent's health insurance until age 26.
- Eligible residents of Virginia can apply for coverage through the Pre-Existing Condition Insurance Plan (PCIP) program run by the U.S. Department of Health and Human Services. PCIP isn't based on income eligibility like Medicaid.
To qualify for coverage:
- You must be a citizen or national or the United Sates or lawfully present in the United States.
- You must have been uninsured for at least the last six months before you apply.
- You must have a pre-existing condition or have been denied coverage because of your health condition.
To learn more about the Pre-Existing Condition Insurance Plan visit http://www.pcip.gov/.
- In 2014 insurance exchanges will be set up in the states to offer health insurance choices in 2014, individuals can no longer be discriminated against based on a pre-existing condition. For more information, see www.HealthCare.gov. Find Insurance Options.
Medicaid in Virginia
Medicaid offers health and long-term care coverage to some people with limited income. This includes children and parents, pregnant women, people with disabilities and seniors. Eligibility for Medicaid in Virginia is based on a combination of financial and non-financial requirements. To apply for Virginia Medicaid, contact the Department of Social Services (DSS) in the city or county where you live. See www.dss.virginia.gov/localagency. For more information on Medicaid and the Children's Health Insurance Program (CHIP), see http://dmasva.dmas.virginia.gov/ and click on Client Services.
Old Dominion University does not endorse any specific health insurance plan, nor do we offer legal advice regarding health insurance. Students with specific questions that are not answered by the above web sites can contact Jenny Foss, Director of Student Health Services at (757) 683-3132, or via email at email@example.com.