College Health Insurance Blog
HealthInsurance-What do you know about student health insurance ? Do you know why the majority of higher educational establishments require the presence of student health insurance in students? If you are familiar with these peculiarities then this article may help you to understand. Such matter as health is very important and it is not important whether you are student or not, but a lot of students live far from their homes and in case of some disease there aren?t lovely parents who can take care of them, to go to drug store and to buy necessary medicines. Student should do it by them selves. If student has health insurance, he can get necessary treatment at college or university health center and health insurance covers all expenses connected with treatment. If student doesn?t have such health insurance, he or she will have to spend money and the sum can be bigger than amount of cash available in student?s pocket.
That?s why colleges and universities require health insurance before the enrollment. If a student has own health insurance and if it corresponds to college or university requirements, then it is accepted. If a student doesn?t have health insurance at the moment of enrollment, college or university authorities provide students with their own health insurance plans and their cost is included in the total fee for education.
By the time when your children graduate high school, they will probably have secured the college that they will attend, their dormitory room, and have their freshman courses picked out and many more. But is there health insurance like securely in place and the rest of other issues?
Often a parent?s medical plan covers their children unless they are 24 years old. When your plan of health insurance does not cover college, it would be helpful to inspect what some college health plans are provided at your kid?s university.
Some college health insurance plans can be financed by tuition and non-subsidized by the student?s dependents or spouses, and can eventually save parents? money. Some health insurance plans are not gratis, and the advantages can differ from one college to another. Health insurance agencies meet with various committees from different schools in order to design a plan, specially adapted to the students of that school. Usually, the health insurance plans can restrict anticipatory care, but some free services can be provided at the health center.
Typically, there is no payment for office visits, but the students can be charged for x-rays, lab work, prescriptions, physical therapy, and such procedures as cure for a wound.
Health insurance is considered to be a very necessary thing nowadays. Without it, if you do not have finances in order to cover your treatment, you will never get it.
That is why I recommend everyone to have the insurance. If you have the health insurance, you do not have to find money in order to receive a professional treatment. The bank which has offered you the insurance is the only one to cover all the expenses concerning your illness and treatment.
However, when you take your health insurance, I recommend you not to forget to find out which cases of the illness your health insurance covers. If you have some chronic diseases and if you know that you have to appeal to the doctor with some of the health problems often, take that insurance, which is going to cover your personal case.
Well, the price for the health insurance are high, however, if to compare the prices of the health insurance with the prices of the medical treatment, believe me, the prices for the health insurance are much lower. That is why it is better to pay once for the health insurance than to pay each time for the medical treatment.
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Last summer I was badly ill. I do not want to peep into details, however, I needed to make the surgery as soon as it was only possible. Being a student, I was not able to make the surgery, which cost several thousand of dollars. I was really in despair, I did not know what to do, where to take money in order to cover the operation. And as nowadays you will fail to get any treatment until you have money, each day I stared to feel myself worse and worse.
I thought that there was not any way out form the situation. However, thanks God, one friend of mine advised me to buy the health insurance. I am not a specialist in such business, so he helped me to find the health insurance in the duration of several days. He explained me that with the help of the health insurance I would be able to cover the surgery. To tell the truth, I did not believe him then. However, I managed to find money in order to obtain health insurance.
Can you believe my surprise when after I brought the health insurance into the hospital, the surgery was made that very day. One day more and I would die.
Dear students, do not follow my example; obtain the health insurance immediately.
Why do students need the health insurance? Students need the health insurance in order to be able to afford the medical treatment in time.
The prices for the professional medical treatment are really too high, and the common student, who do not have some constant income is not able to cover the professional treatment, that is why he or she starts to treat himself or herself without any medical examination and without any medical advices. Very often, the self-treatment brings to the worsening of the situation, and the person gets either chronicle diseases, or just some aftereffect of an illness, which it is very difficult to remove.
However, if the person has the medical treatment, he or she may bravely address the doctor, as all the charges concerning your treatment will be covered with the help of the health insurance. Nowadays, even simple flu may bring to the death; that is why it is just necessary to have the professional consultations, however, those who do not have the health insurance are not able to cover the prices even for the consultation, and I am even not speaking about the treatment itself. That is why I think it is better to purchase the health insurance than not to able to afford the necessary professional treatment.
Nowadays when the medical treatment costs too much, it is just impossible to live without the health insurance. Well, the health insurance presupposes some charges for it; however, the charges you have to make are much lower, and even miserable I would say, if to compare them with the prices for the professional medical treatment.
If you do not have a health insurance, and your financial position is not good enough in order to covert the treatment, even if you are dying under the door of the cabinet of the doctor, no one will pay any attention at you.
However, if you have health insurance, you will never come across such situation. If you need the medical treatment, you will not have to find money in order to able to afford it, as all the charges concerning the treatment will be covered by the heath insurance.
However, when you take your health insurance, I recommend you to get to know which cases it covers, or otherwise, you may be trapped by the following situation: you come to the hospital with your health insurance and you are informed that your kind of health insurance does not cover the case you have right now.
You know, I have been thinking that the health insurance is just the waste of money. I was the student that time and I did not have enough money for my everyday expenses, and the health insurance cost a pretty big sum of money I decided that I did not need it. But than one day I felt some pain in my stomach, the pain was rather sharp, and I did it know what to do with it that is why I decided to go to the hospital.
When I came there the first question I received was whether I had the health insurance. I replied that I did not have such, and the nurse looked at me, as I was almost already a corp. At that time I did not understand the real meaning of her look. I waited for half an hour and only than I was invited to go into the doctor?s room. The pain was so sharp that I thought I would die right in front of the doctor?s cabinet, however, no one paid any attention to me.
I do not want to go into details what was happening after that, in conclusion, the doctor told me that I needed to have the full examination, and when he named me the price for it, I understood that I would never be able to afford it. This story had a happy end, I am still alive.
However, dear students, get the heath insurance!
Heath insurance, do I need one? This is a question, which almost all the students ask to themselves. And the only correct answer at this question is yes! It is really very difficult to cope with all the illnesses which a student goes through during his or her period of education in the higher educational institution.
Many doctors tell that the majority of the difficult and serious diseases comes form the period of student life. Students do not pay a proper attention to their health, as the funds are always limited, they do not have the proper feeding. When they become ill, they do not have consultations at the professionals, as they are not able to afford such highly priced visits to the doctor, as a result they are making self-treatment. In the better case, such students just do not bring harm to their health making self-treatment. They are removing the symptoms; however, the cause of the illness still remains.
That is why I recommend to all the students to take health insurance, as health insurance gives the opportunity to the student to receive a proper treatment and to receive it free of charge, as the heath insurance is going to cover all the charges concerning your illness.
Read also : College Health Insurance Blog Part 2