AROTC Health Insurance

C

casnmas

5-Year Member
Joined
Feb 10, 2014
Messages
68
After touring 3 colleges and asking 400 questions at each school this weekend, we kept forgetting to ask if DS health insurance is covered. I believe my employer will cover up to age 22 if he is in college, but need to confirm... anyone here know if AROTC scholarship includes health insurance coverage?
 
Health Insurance - AROTC

Keep your existing health insurance or insure through the university. Check your HR/Benefits department. Your existing coverage is likely through age 26 now based on changes in the law recently.

Only injuries related to ROTC training are covered.

YMMV
 
I believe after Jan 1st, all insurance companies must let the parents cover their children until age 26. This is regardless of the whether or not the child is in school, has a job that offers insurance, or is married. You might want to check on it with your insurance company.
 
However, and that is a big however, make sure your child is covered for more than emergency services if they are going to a college out of state, or even out of your coverage area. We are running into this problem with DS going to Norwich and our insurance only covers ER there. The school requires that they have more than emergency coverage, so we will be purchasing the school insurance (which strangely enough actually has providers in our area....go figure). So our insurance covers to age 26, but not out of network!
Check and double check with your insurance about coverage as I know another parent who was originally told her DS was covered, and then received a letter saying he wasn't.
 
soccmomer said:
However, and that is a big however, make sure your child is covered for more than emergency services if they are going to a college out of state, or even out of your coverage area. We are running into this problem with DS going to Norwich and our insurance only covers ER there. The school requires that they have more than emergency coverage, so we will be purchasing the school insurance (which strangely enough actually has providers in our area....go figure). So our insurance covers to age 26, but not out of network!
Check and double check with your insurance about coverage as I know another parent who was originally told her DS was covered, and then received a letter saying he wasn't.
Click to expand...

Very good advice... my employer has confirmed coverage to age 26... out of area is a whole different ball game, did not think to ask... just thought of this as well, DS is now 18 current doctor is a pediatrician. At what age does he change to a regular primary care physician? If college is still in my plans network, would it make sense to get a primary physician near school or back at home?
 
Urgent Care and On Campus Clinic

casnmas said:
Very good advice... my employer has confirmed coverage to age 26... out of area is a whole different ball game, did not think to ask... just thought of this as well, DS is now 18 current doctor is a pediatrician. At what age does he change to a regular primary care physician? If college is still in my plans network, would it make sense to get a primary physician near school or back at home?
Click to expand...

Great insight to check your coverage prior to need - We got lucky. Our insurance covered out of network. Other than a serious orthopedic injury that occurred in ROTC all medical needs were after hours and rarely could wait for an appointment a week out.

Our cadet knows the hours of the campus medical clinic and urgent care clinic off campus for strep tests, college crud, sinus infection.......both of which are covered by our insurance.
 
And what about insurance when overses for CULP? Is there anything i need to do for coverage for him besides my regular coverage? Like that will be out of network.
 
Ask Cadre or CULP Leader

Check with Cadre or the CULP Leader.

One of the posters on this site is a leader for a CULP trip. He will know.

Aren't CULP participants on active duty or Reserve Training when on the program?

Cajuncarrier, Private message -Bull- I think he is an XO on a CULP mission this summer. He will likely respond to this question publicly.
 
Last edited:
A couple of things to add here. Regarding CULP. Cadets are on active duty during that time and have all of the medical benefits of active duty members. During school/regular cadet activities I believe it was clarkson that said "if we break you we will fix you". As far as medical insurance for your cadet, DS said several cadets in his unit are enrolled in the school's health insurance and that it was paid for by AROTC. DS is planning on enrolling in the school plan next semester.
 
A few things we learned about AD coverage for ROTC:

1. When on AD such as CULP or LDAC a cadet is covered by TRICARE, the armed forces insurance.
2. As soon as they go off AD status (return from CULP or LDAC) TRICARE no longer covers the cadet.
3. A cadet that in injured while on AD but then goes non-AD is covered by a federal workers comp program.

I can tell you that the workers comp program is not very good. Tricare covered MRIs, x-rays, etc. related to DD's injury at LDAC. However, it took months for her to find a surgeon to repair her knee after LDAC accident (most would not accept the workers comp payment amount). Also, it is not an easy option to use parent's private insurance because they will ask if the issue is a workers comp injury and then try to avoid coverage.
 
Thanks everyone for the advice. Glad to know DS will be covered under active duty. He's so excited to go!!
 
You must log in or register to reply here.
Back
Top