Know What Your University Health Insurance Covers
Navigating college can be a challenge in and of itself. On top of that, students also must decipher what is and what is not covered under their university health insurance. Here, we consider some important coverage points to consider when selecting a health insurance plan. Options vary by plan, so it’s best to check specific policy options before making a decision.
Preventative Care Services
One of the most important steps in ensuring good health is prompt preventative care. By identifying the early signs of illness, we may be able to start life-saving treatment early enough to make a real difference. Moreover, certain illnesses may be mitigated or avoided by changes in diet, exercise, or other daily activities that, if altered early on, can make all the difference later in life. For this reason, many university health insurance plans cover a wide variety of preventative care services. From sexual health to vaccines, and even visits with nutritionists and sports therapists, timely advice from preventative care specialists can help prevent problems from occurring. The specific services covered may vary by policy and university, so it’s best to review the details before determining whether additional policies may be beneficial.
Psychological care is essential to overall wellness. Many mental health illnesses first become apparent in early adulthood, around the time students may first be moving away from home and onto a college campus. Moreover, university students face new and often daunting sources of stress as they make the transition to greater independence. Universities are aware of this, and some university insurance policies cover at least a limited number of office visits with college psychologists. Such plans are typically aimed at short-term care and crisis aversion. Those with longer-term psychological health concerns may benefit from additional policies that can help pay for life-long treatment.
Healthy teeth and gums are quite important to overall well-being. Not only do we use our teeth to consume nutrients, but dental hygiene can impact other areas as well. For example, some of the bacteria that cause tooth decay can also lead to other, more serious health issues. Thus, it is important to have regular dental checkups. Many university insurance programs offer additional policies to help cover the costs of regular visits to the dentist.
Dermatological care is of the utmost importance. Many illnesses first manifest themselves on the skin, the body’s largest organ and one of the body’s first lines of defense. In many cases, only a portion of dermatology costs may be covered by a given university wellness plan. For example, some schools offer basic coverage for diagnostic visits and out-patient services. However, other important services like biopsies and some lab work may not be covered under a general student coverage plan. In those cases, it may make sense to consider an additional plan to cover such expenses
While college students often feel invincible and most serious health problems arise later on in life, the reality is that cancer may strike at any time. This is particularly important for those who have a family history of certain cancers or who may be exposed to carcinogens due to where they live or work. One thing to keep in mind is that some university health insurance plans do not cover the expenses related to cancer diagnosis and treatment. While for many, this will be no problem whatsoever, some college-bound students may opt for additional cancer treatment coverage.
These are just some of the issues that may be of interest to those weighing the pros and cons of their university’s health care coverage. An individual’s unique well-being concerns should be taken into account when deciding upon any insurance policy.
Sarah Daren is a writer who creates informative articles relating to the field of health. In this article, she offers tips on student health and aims to encourage further study with a master of science in health law.