Student Plans – Why Choose Student Health Care?

There are many different types of health care plans available, and if you are currently looking into health care options for you or your child, then trying to find the right plan that matches your needs and your budget can be a somewhat daunting task. Student plans offer a valuable option both to parents who want to save money on their child’s health insurance without sacrificing the level of health care, as well as students who are trying to support themselves financially while still going to school. Here, we’ll go over a few of the reasons you might want to choose a student health care plan either for yourself or for your child.

Student health care plans are designed to keep students healthy throughout their education, and come with a variety of different benefits. Healthy students have been consistently shown to achieve higher grade averages and better test scores, largely because good physical health allows students to attend more classes without absences, and good mental health lowers stress levels and allows students to stay focused Student plans help keep you or your child in good physical and mental health by providing a number of different health benefits.

Some of the health benefits provided by student plans include doctor’s visits, hospital visits and emergency care, dental and vision options, catastrophic care for severe illnesses and injuries, and much more. These plans are largely customizable and can be matched to your particular needs and budget in order for you or your child to receive the best care for the lowest overall amount of money. Different plans are available through private health insurance companies, public nonprofit organizations, government programs, and even through individual schools. Doing a little research on your particular options can help you find the best deals and the best care options available.

If you are a student putting yourself through college, then you know you need to save money wherever possible. However, sacrificing your personal health can not only be risky, but it can also end up costing you more in the long run. Getting health care should not be an optional thing for you, and student plans can help you lower the cost of a good health care plan. If you are a parent supporting a student, then getting them affordable and reliable health coverage should be one of your top priorities, and student health plans are a great option.

For 20 years, Texas has been the worst state in the nation for protecting residents through access to medical care. A higher percentage of residents have had to survive without health insurance in Texas than in any other state, but September will bring new relief to help the public pay for Texas health insurance plans.

Over the last five years, Texas health insurance premiums rose by a whopping 40 percent. That was 10 times faster than household income rose for Texas residents during the same period. With the cost of health insurance soaring beyond reach for many working people, families were hit hard. Of the uninsured in Texas, more than 80 percent are in families supported by at least one working member. Although three-fourths of them have incomes above 200 percent of the federal poverty level, health insurance has remained out of reach.

As one in four Texas residents (nearly six million people) were trying to stay healthy in the absence of any kind of health insurance, President Obama signed the Patient Protection and Affordable Care Act into law in March 2010.

How Will Health Insurance In Texas Change In September?

Both young and old will benefit from the Affordable Care Act. This law includes provisions for children who have been excluded from coverage because insurers did not want to accept the risk of claims for known health problems.

Insurers will be required to cover everyone under the age of 19, even when they have known health problems, as of September 23, 2010. The new provision will apply to health insurance plans that are “grandfathered in”as well as to new group plans, self-insured plans and new individual plans. It applies to anyone under the age of 19 regardless of whether they are employed or married.

Texas residents over the age of 19 with known health problems have had access to coverage through a high-risk state pool. Now those who have not had health insurance for the last six months, will also have access to health insurance through a federal Pre-existing Condition Insurance Plan.

Is An Ounce Of Prevention Worth A Pound Of Cure?

That famous quote from Benjamin Franklin, “an ounce of prevention is worth a pound of cure,” will finally be put to the test this fall. New insurance plans, starting on September 23, must provide “recommended” preventative services without requiring you to cover co-insurance, co-payment or a deductible

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