Aging off a parent's plan? School plan doesn't fit? Gap before residency? Kyle Frank explains private plan options in plain English and compares them to your school's plan. It costs you nothing.
Med school and residency come with a lot of changes. These are the moments when coverage most often gets complicated.
Most students can stay on a parent's plan until 26. When that ends, you need your own coverage and Kyle shows you your options.
Cost, doctors, or coverage away from campus during clinical rotations may not work for you. Many schools let you waive their plan if your own coverage meets their rules.
Your program's benefits may not start the day you graduate. We help you plan for the gap.
Rotations and residency often mean a new state, and a new state means new plan options and new doctors.
Getting married or starting a family changes what you need. We compare options side by side.
A low monthly cost isn't a good deal if the plan doesn't cover what you need. Here's what we look at.
Three simple steps. No pressure and no cost to you.
Tell Kyle where you're studying, when you need coverage, and what matters to you.
Kyle walks you through your options and what each one does and does not cover.
Kyle helps you enroll and stays available when you have questions later.
Private health plans are not ACA-compliant major medical plans. Benefits, exclusions, limits and underwriting vary by plan, they may not cover pre-existing conditions or all essential health benefits, and they are not eligible for ACA premium subsidies. Kyle explains exactly what a plan does and does not cover before you decide, and you should read the plan documents.
Every school has its own rules about proof of coverage and waivers, and some require ACA-compliant coverage. Your school makes the final call on what it accepts, so we help you check the rules before you decide. We can't promise any specific plan will be approved.
Quick answers to what medical students ask us most.
It depends on your school. Many schools require proof of coverage and let you waive their plan if your own coverage meets their rules, but every school is different. Check with your student health office, and Kyle can help you compare an outside plan against those rules before you decide.
No. Kyle's private plans are not ACA-compliant major medical plans, which means they are not eligible for ACA premium subsidies and may not cover everything an ACA plan does. Some schools require ACA-compliant coverage and some are more flexible, so confirm your school's waiver rules first.
Under federal law, most plans that cover children must let you stay on a parent's plan until you turn 26. If you are still under 26 and the plan works for you, staying on it is an option worth comparing.
Residency benefits may not start on day one. Ask your program when coverage begins, and Kyle can help you find options to cover the gap if there is one.
No. Kyle is paid by the insurance carriers, not by you.
Kyle is licensed in 31 states: AL, AR, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, WV, WY.
A free 15-minute call is all it takes. Kyle will walk you through your options.