Health care is an amenity that can never be overrated, especially for college students who are under a lot of stress and are susceptible to various kinds of illnesses. Emergency medical expenditures are unpredictable, and when they eventually rear up, students are not always equipped with the financial prowess to cover them.
The Obamacare system also known as The Affordable Care Act (ACA) bill was structured to indulge college students in its coverage for the provision of affordable health care as a measure of mitigation against undesirable medical expenses. Through the ACA bill, it is possible for college students to obtain standard health insurance coverage either via privately purchased plans or through their parent’s employers.
College is stressful, and that is not an exaggeration. Statistics have revealed that young people, mostly within ages of 15 – 25 while representing an even percentage of a country’s population can be found to constitute a quartile % of vehicular accidents and illness. More so, young adults with chronic diseases find paying for health care and tuition at the same time unaffordable. The rising costs of medical care accompanied by a low budget for awareness/safety measures are factors to consider at the start of the college year. For these reasons, the ACA bill has mandated extensive student coverage on a family policy up until the age of 26.
College Students who do not have enough finance to pull through the payment of their medical bills end up with poor credit as they are often pushed to rely on loans. Procuring a health plan that is backed up by a confident and robust insurance scheme is necessary and may just be the passport to affordable standard health care and staying away from a negative credit score.
Various insurance plans are easily accessible and affordable for college students.
Parent health plans can be hitched on and used till the student is done with college. The parents are responsible for the bill, and the health treatment is of good quality. Limitations may arise if the plan doesn’t cover schools outside the state of residence.
Colleges also offer student health insurance plans (SHIP) as part of their insurance schemes to aid students in affording health care. Here, medical services can be made available on campus and claims can be paid through remunerations from financial aid. Sometimes, for an individual student, the cost of health care might be more than the claims provided by the (SHIP)
So while you are packing your bags for college and preparing for school opening, consider setting up a health insurance for yourself if you are not already on one. The odds that a medical event would occur in a semester are always high and should not be taken for granted.
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