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Thursday, May 21, 2009

Health Insurance Should Continue For Students

By Ethan Kalvin

Allowing for further tax credits and being more open to the idea of personal health savings accounts so students can save in order to provide their own health insurance may be the answer for any student who is not sure how they are going to get the proper health care as they are away at school. Tax credits for employees that reach up to five thousand dollars a year have been proposed.

Whether this proposal will actually fly or not and how it would affect students is unknown. There is the Health Care Tax Credit that parents can use to provide health insurance for their kids while their away at college. Also most large universities have a health insurance plan offering for their students, and that is part of how to come up with your insurance costs.

A misconception out there is that many of the clinicians who work at a university clinic are either rookies in the health care profession or otherwise don't know what they are talking about. The truth is that many of these physicians are qualified and have seen all kinds of situations that prepare them and give them the necessary experience to provide the best possible health care they can while on campus. In case you are uncomfortable with the university system or want more of that real world, private sector based health insurance experience there are companies like Assurant and Cardinal Healthcare for example who would offer students a plan particularly if they are self employed and have a solid work history and a relatively clean bill of health.

Many who are self employed don't have time to research health plans. This is particularly when you have the rigors of academia piled on top of it. Some students are so focused on their course and suffer from a loss of sleep that they think they can put off going to the doctor, we must not let this happen if there is a true medical issued involved that needs to be corrected.

Those who work in health insurance know that trying to find a plan is difficult, and they want to help however they possibly can. They want to be sure you choose the best plan for your needs as a student and as a worker.

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