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| Joined: 08 Aug 2013 |
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| Location: England |
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1) I'm young and healthy. I don't need health insurance!
A: Myth.
Health Care is more expensive than ever and is only going to continue to rise in cost. It's great that you're healthy now, but something unexpected could happen [link widoczny dla zalogowanych] to you tomorrow! Take a simple common condition like appendicitis: statistics show that 680,000 people in the [link widoczny dla zalogowanych] USA get appendicitis each year. That's 77 people an hour, or one person per minute [link widoczny dla zalogowanych] who maybe completely healthy one minute and without warning have to have their appendix removed in an emergency surgery. Without insurance, the cost for that surgery might be around $20,000!
Other common medical issues with college students that can break the bank are injuries while playing sports or driving. Sexually Transmitted Diseases (STDs), pregnancies, meningitis, mononucleosis are also fairly common.
In the event that you need to pay for a hospital visit or treatment, you don't want to be caught without health insurance. Without a health insurance plan, the cost of medical care could put you and your family deep in debt for years or worse yet bankrupt your and or [link widoczny dla zalogowanych] your family!
2) Health Insurance is only for emergencies.
A: Myth
Ever heard the saying that an ounce or prevention is worth a pound of cure? Health insurance covers much of the cost of routine check-ups and preventative medical care. You need [link widoczny dla zalogowanych] to visit your general physician, dentist, eye doctor, [link widoczny dla zalogowanych] gynecologist or urologist periodically to make sure you maintain good health and spot problems early. It's cheaper and can be far less painful!
Medication is also expensive. Having health insurance pay for your prescriptions could save you a lot of money.
3) International Students can get health insurance.
A: Fact
There are many health care plans available [link widoczny dla zalogowanych] for international students. For example, on the link below international students [link widoczny dla zalogowanych] can get an online quote and buy insurance instantly. Just flag on the quote form that your permanent [link widoczny dla zalogowanych] residence is outside of the US.
4) Immigrants cannot apply for public health insurance programs.
A: Myth
Immigrants who are naturalized citizens or who are legal permanent residents (Green Card holders) or who fall under a qualified immigrant category are eligible for public health insurance if they meet the income and residency requirements of the programs. In addition, all children in NY state are eligible for public health insurance coverage regardless of their immigration status.
5) I can't afford health insurance!
A: Myth
You can't afford NOT to have health insurance! The monthly amount you would pay to an insurance company is small compared to the amount you may have to pay for an unexpected hospital visit if you are not insured. Don't wing it! Get the best health insurance you can afford. The difference between paying $80/month to cover yourself well versus paying $20,000 or even $5,000 for an emergency can [link widoczny dla zalogowanych] make a big difference in your financial future and the quality of care you receive.
You do not want to be in a situation where you need to deny yourself medical insurance because your finances can't handle it.
FYI: Did you know that many college [link widoczny dla zalogowanych] health plans EXCLUDE alcohol related injuries? if you are drunk and get into a fight or fall or get hit by a keg at a [link widoczny dla zalogowanych] party you might be paying for your treatment out of pocket! Be smart and check for this clause in your policy.
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