health insurance: an afterthought

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Health Insurance: An Afterthought Jessica Rogers, Alexis Melendreras, Kathy Schnell, Blake Lindsay, Dalton VanderPol

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Health Insurance: An Afterthought. Jessica Rogers, Alexis Melendreras , Kathy Schnell, Blake Lindsay, Dalton VanderPol. Why is Healthcare Important? . National average per person has increased to $8,233. Student debt is increasing. Higher demand for health care as population increasing. - PowerPoint PPT Presentation

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Page 1: Health Insurance: An Afterthought

Health Insurance: An Afterthought

Jessica Rogers, Alexis Melendreras, Kathy Schnell, Blake Lindsay, Dalton VanderPol

Page 2: Health Insurance: An Afterthought

Why is Healthcare Important?

•National average per person has increased to $8,233.•Student debt is increasing.•Higher demand for health care as population increasing.

Page 3: Health Insurance: An Afterthought

Trends in Healthcare

• Increased cost of insurance• The Healthcare system is evolving • Technology leads• Medical costs increasing

Page 4: Health Insurance: An Afterthought

Colleges in the Pacific Northwest

• University of Idaho• Boise State University• Washington State University• Eastern Washington University• North Idaho College• Walla Walla Community College

Page 5: Health Insurance: An Afterthought

Cost

• Uni

Page 6: Health Insurance: An Afterthought

Colleges Regulated by State Law

• As University of Idaho, Boise State University, required by Idaho State Board of Education

• Differences

Page 7: Health Insurance: An Afterthought

Non-Regulated Universities

• Most offer comprehensive insurance • Typical through a third party Washington

University and Eastern Washington University are examples.

Page 8: Health Insurance: An Afterthought

Benefits of Insurance Through Universities

• Decreased cost, comprehensive coverage, minimal fees

• Treatment is in close proximity to campus, often services are on campus.

• Typically less credits are required to be eligible

Page 9: Health Insurance: An Afterthought

Two- year Colleges

• Most don’t offer comprehensive coverage• Not by law• Limited on campus services

Page 10: Health Insurance: An Afterthought

Options for Two-year College

• Considering staying on parents plan• Review outside insurance options (HMO,

Medicare)• Consider optional on- campus services. • Search for free/ discounted services (i.e. Free

Clinics, Health Service agencies)

Page 11: Health Insurance: An Afterthought

How Do I Become Eligible?

• Enroll in required credit number• Each school, number required

Page 12: Health Insurance: An Afterthought

Differential Health Insurance Plans

• Quality/ cost ratio• Treatment offered, know services are offered.

Trauma, surgical, preventative services. • Understand payment method co-pay or

percentage• Take spouse/ children into consideration