Archive for the ‘Cheap Student Health Insurance’ Category.

Today in the United States an estimated 2 million college students have no health insurance, yet the age bracket routinely sees $200 million in annual health care costs. Those health care expenses are being addressed by the parents, or by the students themselves. When taken in tandem with the staggering amount of student loan debt in the U.S., which is lumbering toward $1 trillion, a single major medical emergency could throw these young people — or their families — into life-long debt. (Medical expenses are the leading cause of bankruptcy in the nation.)

The ideal coverage scenario, as proposed by the American College Health Association, would be for students to have preventive care, and to enjoy benefits that would pay for a lengthy illness as well as cover the cost of prescription medication. For most, however, that remains only a dream in the face of an equally spiraling tuition cost structure. If they are looking for coverage at all, these students and their parents are trying to find the best and cheapest student health insurance on the market.

Far too many, however, are simply rolling the dice and assuming they will be fine during the typically healthiest years of their lives. This strategy does not take into account the simple hand of fate, or the fact that, while the 15 to 24 age bracket represents only 14 percent of the population, they account for 30 percent of the total costs of all injuries incurred by males in auto accidents and 28 percent of those suffered by females. Together, those auto accident injuries cost $26 billion a year in medical expenses.

Thanks to federal health care reform, parents can now keep their children on their own health policies until age 26, and for those families who do not have insurance, many colleges and universities offer relatively low-cost coverage — generally under $1000 in premiums for $50,000 in benefits. This is, however, one area of insurance where competitive cost comparison and an understanding of how a policy does or does not overlap with existing parental coverage are absolutely essential.

Inactive teens battle rising health insurance costs

The numbers are in: America’s teens are overweight and sedentary. Surprised? Check inside almost every teenage boys room and you will find a video game loving pubescent, more keen on killing King Bowser than being physically active.

Sound like an over-generalization? Sure. But the numbers tell a different story. The majority of teens are less active, putting them at risk for diabetes and obesity.

A study by the Center for Disease Control or the CDC shows that only 10 percent of teens are getting adequate physical exercise. Panicked? Well, not so fast. The study is not completely indicative of what the entire nation follows. You see, the CDC’s study only encompassed 9 states, hardly a true sample of the whole nation. While the study cannot tell the story for the whole nation, it can, however, display a startling trend that is surely spreading throughout the country. Teens are moving less, and this is a problem.

Thankfully, my state fared better than others, but that does not mean we are out of the clearing entirely. The study showed that girls were lagging behind their teenage male counterparts for exercise. And this can be problematic.

1. The teenage years are when habits and skills are developed and created.  The fact that these teens are less active is problematic for the lifestyles they live when they are older will be drastically affected. I’m not saying that no habits can be changed, but children often take their lifestyles into adulthood.

2. Less active teens can translate into big money problems. Like I wrote above, less activity leads to obesity and type II diabetes, which is often associated with obesity. The links to obesity and diabetes are not disputed, however ways to take care of the epidemic are. Obesity and diabetes are expensive. Those who suffer from obesity tend to have serious health problems like heart disease, high blood pressure and cholesterol, bone problems in joints, hypertension, just to name a few. And say goodbye to inexpensive health insurance. Health insurance premiums will skyrocket to help cover the deficit of the increasing health care costs. Let’s just say it pays to be healthy. (Some health insurance companies are rewarding their employees for being healthy. A few months ago I received $100 from mine just for that. It literally pays to be healthy.)

3. If teens are less active, we have to get to the root of the problem. Since the issue is more that teens are less active and not necessarily obesity, it could be easier to target. It is not realistic to ban video and computer games and the hide the TV remote, however some boundaries on those sedentary activities is not a bad idea. (Of course, this is up to the discretion of the parents.) However, it might be best to target the reason why teens are active and try and spread that idea. As for girls, who are less active than male teens, they are more motivated by sports because they want to feel included and because of their peers. Getting girls involved with this in mind can help increase activity.

Finding Student Health Insurance

I recently graduated from college and I thought it would be nice to pass along some helpful tips for doing well in college and in moving out on your own. I think it is always helpful to get some advice from someone who has been there before, I know that every situation and everybody is different so I put these tips together that would be useful for most anyone who is leaving home for college.

 

Get involved

I would say that getting involved is one of the most important things you can do when moving out and going to college. When I say get involved I mean like go and have fun, volunteer, and get to know your classmates especially in your classes you never know when you might need class notes, a partner or just someone to talk to. There are a ton of fun things to do, parties, fun lectures, clubs or even recruiting events where you can get to know industries you might be interested in, if nothing else they usually have free food. One of the most important ways to get involved is to talk to your professors whether you talk to them after class, commenting in class or visiting them during their office hours. This can pay huge dividends when you are having trouble with an assignment, exam and who knows they might be able to write you a letter of recommendation or become a great friend and mentor.

 

Sign up for extra classes

College is way different from high school. Your professors usually do not get to know you unless you are proactive and usually they do not care if you come to class or turn in assignments, I guess they figure you are old enough to do things on your own. Another thing about college is it is as much about knowing your subject as your professor so I learned to sign up for multiple professors teaching the same class to see who I meshed with best, I am saying find a good professor that you can learn the best from not just the easiest because you are only cheating yourself by taking the easiest class.

 

Learn to shop, cook, and budget

I think one of the most important things to prepare for is shopping, cooking, and budgeting. If you are like me then having a few lessons before leaving home go a long way. I survived but I think taking some time to find simple nutritious recipes that are affordable go a long way. I found that working a part time job helped me pay for school and helped me stay focused in school. I also found that you get really cheap student health insurance online or through the school.

Start preparing now

All of these skills to succeed in college do not suddenly appear once you step foot on a college campus.  Start preparing now. As a high school student you can learn the basics of budgeting, get involved in high school activities and take classes that will earn you college credit.

Cheap Health Insurance – Student Options

photo_3427_20090107Health insurance is a hot topic today. Everyday there seems to something new about the debate. But don’t wait for the government to come and insure you. It could takes months for them to make any progress, and years for them to make solutions. If you are uninsured it is important that you find insurance right away. Getting sick, or insured while uninsured can cost you much more then just your health. Medical bills are extraordinarily high and can completely wipe out your bank account if you are uninsured.

There are many options for cheap health insurance. Students have even more choices that will help them get insurance. Most companies will let you stay on your families plan if you’re a full time college student. If this is an option for you, it is probably your cheapest option. If you are looking to pay for your own insurance there are many options.
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3 Steps for Finding Cheap Student Health Insurance

Students are more likely to go without health coverage at all because they feel invincible. However, because of this attitude, they put themselves, as well as their families, in financial jeopardy. Finding cheap student health insurance is the best thing you can do, and it can save you a lot of grief and high medical bills if something did go wrong with your health.

The first thing you should do when searching for cheap student health insurance is to look for a temporary insurance policy. This is a great thing that you can do while you are looking for a permanent health insurance policy. This might be with a job that has not yet been finalized. Be aware that temporary coverage usually only covers major medical situations without the extras. However, this will keep the monthly premiums low.
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Cheap Student Health Insurance

Phew! Another BIG day of surfing the Internet looking for new info about cheap student health insurance AND I found this awesome article I just had to share with you!

Check it out below, I’m sure you’ll find it really interesting.

Make sure you come back and click here if you’re still interested in more info about cheap student health insurance.

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International Student Health Insurance

Phew! Another BIG day of surfing the Internet looking for new info about comprehensive student health insurance (international) AND I found this awesome article I just had to share with you!

Check it out below, I’m sure you’ll find it really interesting.

Make sure you come back and click on the link at the end of the sentence if you’re still interested in more info about student health insurance, international coverage. Continue reading ‘International Student Health Insurance’ »

Student Health Insurance: International Student’s Guide

When you applied for admission to an undergraduate program somewhere in Europe, the farthest thing from your mind was student health insurance. International scholarship is an excellent opportunity no one sane would pass up. But as you pack your bags and plan your next four years in a European country, international student insurance should move ten leaps up your list of priorities Here’s a couple of reasons why you should think about health insurance now.

1. Guard against uncertainty. Although you may be physically fit and in perfect shape, you can’t be sure you won’t need non-routine medical attention while abroad. Even if you have coverage from either parent as a qualified dependent, these policies are not specifically designed with you in mind. Unlike student health insurance, international trips could very well be an exclusion item. If not, the policy would normally have several qualifying or disqualifying clauses.
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