Do your health insurance homework before moving on to college

Student sits in library working on a laptop. Going away to school can be stressful. Be prepared with your ConnectiCare ID card in case you need medical coverage away from home.

It’s back-to-school season! For college students, this may mean more than buying school supplies. Living away from home can bring challenges and adventures. And possibly a few unexpected colds, fevers, earaches, or headaches. Be ready by learning how your health insurance works when you’re away from home.

Health and insurance 101

College life has the potential to wreak havoc on your health. Stress over classwork, sharing living space, sleeping less, and eating cafeteria and fast food may leave you feeling under the weather. Here are a few tips to help you stay well at school:

  1. When you can’t get home to your primary care provider (PCP), use MDLIVE telemedicine* to talk to a doctor 24 hours a day, seven days a week, for one low copay. Register now and download the app to be ready when you need it.
  2. Need to find medical care near campus? Our “Find a Doctor” tool can help you locate an in-network doctor or urgent care center by your school.
  3. Use Express Scripts for convenient delivery of any maintenance medicines you take. If you already do, update your school address so you don’t miss a dose.
  4. Always have your ConnectiCare ID card with you as proof of your health care coverage. You’re covered for emergency care wherever you are (keep in mind, there may be deductibles, copayments or coinsurance). Depending on your plan, though, you may be limited as to other medical services you can get outside the ConnectiCare network. Details are in the plan documents available on to the parent or guardian whose plan you’re on.
  5. Many colleges have a health center where students can see a nurse, doctor, or other health care professional. Know how to access your school’s health services if you need them and save their number in your phone. Note that you may need preauthorization if the school health center is not in network.

Extra credit: self-care

We know you’re busy with classes, a job, extracurriculars, and having tons of fun. But that doesn’t mean you should neglect self-care! Schedule time to check in with yourself and see if you need a break. And it doesn’t have to be a solo activity. Ask your roommates and friends if they want to go to the gym, listen to music, join a yoga class, have a spa day, or do something else to slow down and focus. By making it a group activity, you can care for yourself while still being social.

We’re here if you need us

If you have questions about your health insurance coverage at school, call us 1-800-251-7722 (TTY: 711), 8 a.m. to 8 p.m. Monday to Friday and 9 a.m. to 2 p.m. Saturday. Here’s to a great school year!

*MDLIVE may not be available in certain states and is subject to state regulations. MDLIVE does not replace the primary care physician, is not an insurance product and may not be able to substitute for traditional in person care in every case or for every condition. MDLIVE does not prescribe DEA controlled substances and may not prescribe non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. MDLIVE does not guarantee patients will receive a prescription. Medical consultations are available by interactive audio on-demand 24/7/365 or by video 7 days per week from 7 a.m. EST to 9 p.m. EST or by scheduled availability. Behavioral consultations are by scheduled availability. Health care professionals using the platform have the right to deny care if based on professional judgment a case is inappropriate for telehealth or for misuse of services. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission. For complete terms of use visit