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  • Side Effects: College Students May Lose Health Care Option Under Obamacare

    Health care isn’t something most students worry about. Government stats show about 80 percent of college students are covered under a parents’ plan. For them, Obamacare may mean they can keep the insurance they already have for a few years beyond college, but it won’t affect the coverage they carry during school.

    But what about kids without parental coverage? The new law’s requirement that insurance cover children up to age 26 won’t make any difference for them.

    Currently, college students without coverage can enroll in low-cost student health plans offered through universities. These plans may include limits to keep costs down, but are often designed around to complement university health services to provide comprehensive coverage. Affordability is further achieved by rating student health plans on a campus-wide basis rather than according to the whole individual market.

    Seven percent of students currently receive coverage from their school, but that could change under Obamacare, a concern that the American Council on Education expressed in a recent letter to Health and Human Services Secretary Kathleen Sebelius.

    “The application of several provisions under the Patient Protection and Affordable Care Act (ACA), including certain insurance market reforms and the individual mandate, could make it impossible for colleges and universities to continue to offer student health plans,” the Council warns.

    As the new law currently stands, it’s unclear whether student health plans would meet federal requirements to qualify as minimum essential coverage. If they don’t, students would have to find coverage elsewhere or pay the individual mandate in addition to the premiums of their student health plan.

    Though the law includes a rule that institutes of higher education will not be prohibited from offering student insurance plans, the Council explains that problems arise because, “Short-term limited duration insurance, including many student health plans, does not qualify as either group health insurance coverage or individual health insurance coverage under the existing Public Health Service Act (PHSA) definitions. As a result, a student with comprehensive SHP coverage would not satisfy the minimum essential coverage requirement due to a definitional technicality.”

    Schools may also find that some provisions of Obamacare might forbid them from offering coverage solely to their student populations, rather than the individual market at large.

    Critics of student health pans, who see these low-cost options as inadequate, would prefer to apply Obamacare’s rules to student coverage. But, as Julie Appleby writes for Kaiser Health News, colleges fear that “requiring them to meet even some of the new rules could drive up premiums.”

    Removing affordable options would likely discourage many students from carrying insurance altogether—yet another example of how Obamacare, which was supposed to improve insurance coverage, may end up making it worse.

    Posted in Obamacare [slideshow_deploy]

    10 Responses to Side Effects: College Students May Lose Health Care Option Under Obamacare

    1. Julian Lieb,M.D Burl says:

      Oncology is in desperate need of a paradigm shift. The shift dates back to 1981, when I published the first of nine reviews on the remarkable, immunostimulating and antimicrobial properties of lithium and antidepressants, and culminated in 2001 with publication of the first of five articles on the anticancer properties of antidepressants. Innumerable vested interests have prevented the paradigm shift from reaching the bedside.

      The idea that antidepressants might be effective for cancer was first explored fifty years ago, and ample proof has emerged. More than eighty published studies show that antidepressants kill cancer cells, inhibit their proliferation, augment chemotherapy, protect nonmalignant cells from ionizing radiation and chemotherapy toxicity, and convert multidrug resistant cells to sensitive. Antidepressants can arrest cancer even in advanced stages, occasionally eradicate it, and significantly extend life. To verify, access Medline or Pubmed, and enter “antidepressants” and “cancer.” I have contributed five reviews and two books to the advance.

      A clinical experience with Mianserin therapy in lung cancer patients

      .Two groups of advanced non-small cell lung cancer (NSCLC) were analyzed and compared: Group A-26 patients (12 treated with chemotherapy –CT, 14 with best supportive care BSC), all receiving 10mg/day of Mianserin and Group B-26 patients with comparable corresponding characteristics, who were treated with chemotherapy.

      An objective clinical response to chemotherapy was observed in five patients receiving Mianserin, and only two patients who did not receive it. Median survival time for Mianserin patients was also significantly better. A surprising fact emerged in 2 patients with adenocarcinoma: one with local tumor recurrence and diffuse bone metastases, evidently stable with no further progression for 37 months, the other with metastases in the upper mediastinal lymph nodes, with no further progression for 26 months. Symptom control (pain, dyspnea, and emotional functioning) were significantly better in Mianserin Group A.

      Antidepressants are highly specific and humans variable, thus some of the non responders may well have responded to alternatives to Mianserin.

      Jovanovic D, et al Mianserin therapy in advanced lung cancer patients. 8th Central European Lung Cancer Conference. Vienna 2002. Internal Process Division, Monduzzi Editore 2002; 339-343

      Lieb, J. “Antidepressants, eicosanoids and the prevention and treatment of cancer.” Plefa (2001) 65(5&6), 233-239

      Lieb, J. “Antidepressants, prostaglandins and the prevention and treatment of

      cancer.” Medical Hypotheses (2007) 684-689

      Lieb, J.”The multifaceted value of antidepressants in cancer therapeutics.” Editorial comment. European Journal of Cancer 44 (2) 2008 172-174

      Lieb, J.”Defeating cancer with antidepressants.” Ecancermedicalscience. DOI 10.3332/eCMS.2008.88

      Lieb, J.”The remarkable anticancer properties of antidepressants.” ecancermedicalscience DOI.10.3332/eCMS.LTR.149

      Lieb, J.”Stimulating immune function to kill viruses.” (2009) Amazon

      Lieb, J.”Killing Cancer” (2010) Amazon

    2. Bobbie says:

      Insurance is a privilege and THIS IS A MESS! Repeal the deal! To mandate insurance for government greed and take-over, is despicable.

    3. Megan in MD says:

      We were forced to buy health coverage for our son when he entered college in NC this year. Either he HAD to be on our plan or HAD to buy the health insurance they offered. His admission would have been denied if he wasnt covered. FREEDOM…haha

    4. Apalled says:


    5. Bill, Kansas City, M says:

      Repeal Obamacare. It is not going to work. Already, people have seen their premiums increase, along with deductibles and co-pays. So, where is the savings we were promised?

    6. Pingback: » Daily Dose – August 26, 2010

    7. Drew Page, IL says:

      There were a lot of college kids that voted for Obama. It's about time they got a dose of the real world and learned that elections have consequences.

      When the impact of Obamacare reaches the university professor level, perhaps they will begin seeing (and teaching) things a little differently. Obamacare does not cover rose colored glasses.

    8. KATHY, KANSAS says:

      Insurance for myself & my daughter that's in college went up over $140 a month, thanks to Obamacare……

    9. James Boyle, Arlingt says:

      Despite its voluminous length, the PPACA mentioned college health only once, reaffirming the ability of institutions to offer plans. More importantly, however, the legislation failed to address an issue of central concern to parents, namely the willingness of institutions to accept employer-sponsored plans, or any type of outside plan, as payment for services rendered. Some schools do not allow students to enroll in class without purchasing the school-sponsored plans, even if they are already covered under their parents plan. Most others allow the parent plan to "check the box" of having insurance, but then don't take the plan at the campus health center, causing the student to have to pay out-of-pocket for services.

    10. Pingback: Morning Bell: Obamacare vs. the Rule of Law — Let's Change America

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