Health Insurance Jonesboro Arkansas AR
Reader’s Question:
Before my son left for college out-of -state, I purchased the university’s student health insurance plan for him and kept his old one which was under my in-state health insurance plan. When he used our health insurance plan in his school he needs to travel quite a distance to see his doctor. First of all, he doesn’t have a car. Second, even if the school has an on-site clinic, he has only gone to the clinic once within almost 2 years. This winter quarter, he got really sick for a few days. Some of his assignments due dates could be delayed. What do I need to do about his health insurance?
Carrie
Jonesboro, AR
I had the same problem before I had a Kaiser. This is how we attacked this same kind of problem when my son was still in college. My son used to attend college in Illinois years ago. We flew him home on some weekends for whatever medical needs like to see dentist, lab work, dermatology, primary physician, or orthodontist. What he did was to notify his professors that he will be having a 3 day weekend, either missing classes on a Friday or a Monday.
When he was back in Illinois, like there was this one time he had to go to the emergency room and missed classes since he had to wait for his doctor for hours and hours for a lab work reading. Kaiser only cover E.R and urgent care outside their providers such as their accredited hospitals and doctors. All the pharmacy bills are reimbursable through proof of purchase like receipts for all claims.
There is one reason why I love Kaiser even until now…they reimbursed all my pharmacy claims without any further questions whatsoever. It took a while though…my son simply forgot to mail the receipts directly to Kaiser Claims…he instead mailed it to us by mistkae. Luckily, I was able to resolve the issue after ½ of a year, all because of that one mistake. I now understand how things should be done for claims, such as making sure my son keeps his receipts. There are some trouble in certain incidents when you cannot fly your son out for medical.
At another incident, my son got hit by a car, and couldn’t fly out, so everything had to be on us for that case. So that’s just another disadvantage I see if you choose to keep your in-state health insurance policy.
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