Students Health Insurance

Our nation we know as America has vast problems in areas such as Medicare, Medicaid, and Social Security reform, there are politicians, hospital administrators, and concerned citizens that have another issue at hand: the insuring of university students. It seems the medical needs of students are definitely on the backburner; it's not without good reason. There are several factors at work into the issue on student health insurance. The major factor being that our senior citizens come first in our country.

Just like other agendas issues such as student health insurance are in many cases political. Senior citizens make up a bigger, stronger, and better-organized voter block than do college students. Thus, it makes sense that politicians overlook the needs of the younger generations-old set and focus on those constituents with greater political clout. It might be that one of the largest lobbyists in all of Washington AARP (American Association of Retired Persons) might have something to do with it?

Secondly, the notion that as a general rule of thumb. Teenagers and early-20-somethings have far fewer medical concerns than senior citizens do. It therefore seems that the matter of insuring college students is less pressing. Beyond basic common abnormalities on an every day basis, there are much fewer reasons most healthy college students have for visiting their campus medical services. Or is this what one would think?

When Issues Arise
The issue at hand is not the simple fact that college students should have healthcare, but that all Americans (and even your pets, for that matter) need access to at least minimal protection. While healthy students may in fact be better equipped to fight off illnesses and recover from the common cold, they are also susceptible to an array of hazards from which most seniors are exempt. In most cases these issues are left untreated, often grow into bigger problems and, consequently, wind up costing more money and resources to treat or cure.

The two most common ailments that college students obtain are stress and depression. Your college education is no joke and when it comes down to making grades these factors become prevalent. Many students coast through easy high-school curricula only to come face to face with college-level work for which they are largely unprepared. Add to that the new concept of planning regular homework and study schedules amid all sorts of competing distractions. Students in college are in the best of both worlds in many cases. However, most students would feel stress that can sometimes lead into great depression.

Depression, however, is hardly tied to rigorous work schedules exclusively. For many incoming freshmen, college means having to find a brand new group of friends that have changed from the previous stability of there high school buddies. That is a huge stress in its own, but all college students must face these life-changing events.

Where are the answers?
Needless to say, counseling doesn't come cheap these days. In the end, someone must pick up the tab, even for local counseling and hotline services, which generally administer care for free. Should a student require repeated visits or more extensive care, the costs can become very rapid and overwhelming. Moreover, there are other hazards, many alcohol-related (such as drunk driving), that surface on college campuses with a disproportionately high frequency. These too cost money when they lead to accidents, injuries, and other sorts of damages. Most student health insurance plans only cover minimal expenses. Make sure your child has a comprehensive student health plan before arriving in an environment that can sometimes be thought of as stressful.

The big question of who ought to pay for student health care is just as messy as that of Social Security and Medicare. Most universities require either a university funded or private insurance policy before attending college. Others feel that this is an unreasonable burden for students to carry, especially when ordinary student debt and the stresses of a brand new lifestyle are factored in. The fact remains, however, that care must be subsidized, either by the universities themselves, the students, insurance companies, or some combination of the three, which is most often the best, most affordable solution. Let us help you find a student health plan that gives you the coverage you feel comfortable with in this time of great change.

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