Many of you would have been previously covered by your parents’ health insurance until you began your college years. Others would probably be still covered but may no longer have access to the doctors permitted in your parent’s medical plan or worse may not receive reimbursements for medical bills as the coverage may not extend geographically to the state you are pursing your education in. The rest of you probably don’t have any health insurance at all.
Well, with all that is happening and all the excitement in your life during the college years, it is easy to chuck all thoughts about health insurance aside. However, that is not the “adult” thing to do. All it takes is one accident or one serious illness to cripple you or worse, your parents financially. Truly that isn’t something you do to someone who has trusted you to be an adult and make the right decisions.
It’s easy to believe that nothing like this would happen to you. But honestly, are you really indomitable? Accident is defined as an unexpected and undesirable incident that creates some sort of harm. The keyword is “unexpected”. In fact, being so active and busy in college actually increases your chances of having an accident. It could just be a simple fall when rushing somewhere, resulting in a broken arm. Although that might only break your piggy bank, anything more serious might break your parents’ as well.
By considering the consequences of not investing in a health insurance, you are thinking as a mature and responsible person. Many of you may realise that you do actually need one but you may be afraid of the costs. I know sacrificing your pocket money for future protection against medical bills may be a difficult decision to make. Don’t fret. There is good news.
Most reputable colleges offer a good health insurance. You may want to buy one of those. One advantage of getting one from your college is that you may not even have to pay cash for the insurance. You can pay it through your financial aid.
If you are buying a health insurance elsewhere, you will need to do some research. Regardless of where you buy this from, always read the terms, limitations and conditions of the plans. Know exactly what you are covered for. Compare a few and select the best for you. Health insurance plans for college students are usually affordable and provide decent coverage.
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