Student Health Insurance
I came across this video on YouTube today, and like a thousand other videos on that site, it’s a hilarious but at the same time stupid tape of some college kid beating himself up for laughs. It’s funny if you’re in to watching people run into walls. I think, also, it’s kind of relevant to the topic of student health care, which is necessary even if you aren’t the sort of person that tries to ride a skateboard down an escalator or something equally insane. It’s really important to the teenager heading off to college for the first time who will no longer be able to be on their parent’s health insurance policy.
Even if you’re older and are going off to college for the first time, you need to put some extra thought into getting student health insurance. Consider the fact of how much college costs. You’re going to be in a high stress state (no pressure!) for at least four years, having to deal, usually, with full time classes and at least a part time job. With the loans you’ll have to pay back and the remaining costs that you’ll have to cover with the money you make from work, while still having to pay rent and electricity and buy food and entertain yourself, do you really want to be paying so much extra for exorbitant medical costs? Heck, the emergency room will charge you five hundred dollars even if they did nothing more than advise you to take some Tylenol. That’s where student health insurance comes in. As a student who already has a lot on your plate, you need that extra protection.
The primary thing that you need to do when you take out a student health insurance policy is check out the coverage summary. That will tell you about the highest dollar amount you can get for each benefit, the deductibles you can get, and co-insurance.
Remember when deciding your deductible amount that if it’s low, you’ll have to pay more on your monthly payments. If it’s high, you can pay less now and more later. The decision should all depend on your financial situation.
Co-insurance is another thing. This is about what your policy takes care of after you’ve met your annual deductible requirements. Usually it’s 80/20, which means that if you’ve met the requirement, then…well, say you have a medical bill of $100. Your student health insurance company pays $80, and you take the rest.
Being sure of the safety of your health is important, which is why you shouldn’t be dismissive of things like student health insurance. Remember that before you take out a student health insurance policy, you should get several quotes and know the questions that you need to ask. Being educated on your options can help you get the cheapest student health insurance deal around.
Cheers,
Fashun Guadarrama.
Student health insurance is important
If you’re a student, student health insurance should be near the top of your list of priorities. You’re away from home and probably aren’t depending on the parents as much anymore, and without that place on your family’s health insurance policy, a student health insurance plan is the only way to insure that you are taken care of so that you don’t end up slouching under the weight of medical debt for the rest of your life. You want to get that good job and live good after college, not be worrying about the thousands and thousands of dollars in medical costs even after you pay off your student loans.
But the strange truth is that college students, even ones studying medicine, are opting out of student health insurance. The widely held belief seems to be that the university clinic is an okay way to take care of your medical needs. It isn’t. Student health clinics are sub standard and don’t see to your needs. If you want real coverage an protection, you need to get student health insurance.
Different insurance companies will give you different quotes on your student health insurance premium. Because of this, the most important step in taking out a student health insurance policy is to shop around. That means finding quotes from different companies and comparing. There are plenty of sites on the internet that provide you with free quotes, and it’s very easy to do the research.
Once you have these quotes, you’ll be able to narrow it down to a list and talk to your insurance companies personally. Here are a few questions that you should ask:
- What is the maximum that I am covered for?
- Do I have to get a referral if I want to see a specialist?
- Is the student health insurance policy for both undergaduates and graduate students?
- Do I get to choose my own doctor? From a list, or freely?
- What does it cost?
- How high is the deductible?
- Am I covered to go see a doctor when I am not sick or injured?
- Am I covered while traveling?
These are important questions to ask, but if you think of more, go ahead by all means. Anything that you can do to help you narrow it down.
The deductible is a really important aspect. If you get a higher one, you’ll get cheap health insurance rates. But if you do end up opting for a higher one, consider that it should be something you’ll be able to afford. If you’re a medical student, you could get some professional courtesy, which will make things cheaper but won’t apply to deductibles.
Cheers,
Fashun Guadarrama
Health insurance in Houston hard to get for Texas workers
There are more uninsured people in Texas than in any other state, especially in the bigger cities like Houston. Getting health insurance in Houston and the rest of Texas is apparently a problem for 25% of the population, and the problem is growing. All of the large cities in Texas have more uninsured than the percentage for the whole country, which has an average of 15.3%. Workers and their families are now seeing that it is difficult to get cheap, affordable health insurance in Houston.
More than half of employers who have less than ten employees don’t provide them with health insurance in Houston. This is mostly because it just costs too much. If you have a very short payroll, it’s hard to spend thirty percent of that payroll money on health insurance. But the Task Force for Access to Health Care in Texas says in its report “Code Red: The Critical Condition of Health in Texas” that the people who don’t have health insurance in Houston and in all of Texas have a lower quality of life.
These people without health insurance are getting health care, to some degree, and a third of it is paid for by them from their own funds. The rest of it is not, and it shows when it comes to higher health insurance premiums for everybody else. The harder it is without health insurance in Houston, the harder it is to get it.
One of the most important benefits of having health insurance in Houston is the preventive care that comes along with it. The need for future medical care can be avoided by getting cared for now through your insurance plan, thus avoiding complicated problems. The uninsured don’t have that privilege, and for this reason they can come up against heavy medical costs for avoidable conditions.
Problems with health insurance are growing, and it’s a big issue both for individuals and for small companies who find that it’s hard to keep up with both the cost of wages and health insurance and still turn a profit. Try to avoid these problems by looking for your own health insurance at a cheap price. To get this you need to shop around and see who has the best to offer for the least, so you don’t get caught in the problem. Put in your zip code at the top of the page to get a free health insurance quote for Houston.
Cheers,
Fashun Guadarrama.
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