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Thursday, March 19, 2009

Short Term Health Insurance

By Naomi Campbell

If you do not have a company that can provide you with insurance then you have to get coverage yourself. If you are a normal healthy individual, getting insurance should be no problem. It might be costly, but you should be able to handle it.

If you are an individual who has had problems with health, then getting insurance might be a problem. Due to a pre-existing condition, insurance companies have been able to deny people coverage. As a result, the sick and injured people have a harder time affording healthcare

The school I attended charged roughly $161 for a semester. It was not a good as coverage that I had under my parents. I had free doctor visits and $100 co-pay for the E.R.

Most state schools have a walk-in health facility that is free. If you are student, you can come in and get physicals, check-ups and see a physician without twenty dollars co-pay. It is all paid for by your student fees.

If your school does not offer health insurance and you cannot stay on your parents plan then you should consider other options. It is important that you maintain health insurance while at college. You already have enough to worry about with finances.

If you are in a risk pool you obviously are sick and will need medical attention. How do you go about getting insurance without going broke? What are your options?

If you are in a risk pool you have a couple options. You can buy a health coverage plan called mini-meds. This will help you get by until you are able to get on the list of a nonprofit organization

Mini-meds allows anyone who was denied healthcare coverage the chance to purchase a minimal coverage. Unlike a lot of other health insurance plans, you have strict limitation on how much you have.

The problem with purchasing a mini-med is that it won't cover major medical issues. To get the care you need, you will want to register with a non-profit organization to subsidize your insurance cost. They will help you by paying some of the high cost insurance you need to survive.

As a student, you have many options with health insurance. If you get kicked off your parents plan, then consider taking out a little extra student loans to cover yourself. You should also consider a job.

It is unfortunate the position a lot of people find themselves in by being placed in risk pools. People who find themselves in risk pool can feel overwhelmed but they are not trapped. There are some options available to them.

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