One of the first changes of health care reform (The Patient Protection and Affordable Care Act) effects people under the age of 26. Previously, once a person turned 19 and was no longer a full time student, he could not be covered under his parents’ health care plan. What this meant is that people in their 20’s often went uninsured. However, effective September 23, 2010 a person can remain on their parents’ health insurance plan until the age of 26. That is certainly better than being uninsured, but it is the most affordable option for parents? Probably not. self employed health insurance. Here is the case for getting young adults their own health insurance plan:
1) Young people are generally healthier and do not go to the doctor as often as their parents. This means that a young person’s health insurance rates are lower and the type of health coverage they require is much less than their parents. Yet, under their parents’ health plan, they are charged for the coverage needs of their parents. Sometimes the cost of remaining on a parent’s health plan is as much as double the cost of purchasing a health care plan of their own, for services they will never need. For example, a young man will never need maternity coverage. This all can amount to quite a savings and a parent would be wise to consider paying the cost of an individual health insurance plan for their child. Tonik is a health insurance carrier offering affordable plans for young adults, Click here for a quote.
2) Accidents happen. Young people might be healthier, but they are more accident prone. Broken legs, shattered knee caps, concussions, the list goes on. Young adults involved in dangerous sports or hobbies, or who perform odd, labor intensive and physical jobs can sometimes cause an increase in claims on their parent’s health plan. This affects already inflated rates. Read our blog about casts.
3) The unknown job market. Traditionally, young adults remain on their parents’ health care plans until they get a job, at which point health benefits will be provided through their employer. But, the economic strive of the last 4 years has changed the job market, possibly forever. Who knows when a child will enter the work force, and what the character of his employment will be. He may be an independent contractor or temporary employee and never receive insurance under a traditional employer sponsored health plan. Having his own health insurance plan protects him from being uninsured. Read our blog about independent contractors.
4) Rate increases as a result of reform. The effects of health care reform on health insurance rates are unknown and cannot be fully measured before 2014, when reform is completely enacted, however, it is the consensus of many in the insurance industry that rates will increase considerably. Those that have an existing health plan may be grandfathered in and not be affected by health care reform rates. Avoid being one of the masses looking for insurance in 2014, get it now. Click here for an affordable rate..
Upon graduation from high school, there is no doubt that you will surely start your tertiary education in college or university. At age twenty, children will not be covered by health insurance of their parents and this can be disastrous if they are merely study and do not do part-time job. Some universities or colleges may have insurance plan offered to students. These insurance may not answer all your needs but you need to be meticulously considered it.
Most of the universities and colleges offer student health insurance plans. These plans should absolutely be at reasonable price, and can give you the school’s nearest hospitals. This option is one that you should definitely think of, if your son or daughter is enrolled in a college far away from home.
College health care scheme may vary from college to college due to laws and some other factors. Many students may think medical services are free of charge, but it is not always true. In term of clinic visit or routine checkups they may be free, however students still require to pay for special kinds of lab tests and other specialties such as x-rays, prescriptions, and a wound treatment. Compensation usually covers some types of service stated in the health care offered at college health centre. When you are referred to see an outside doctor, then the coverage will cover only 70{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} of your total expense and you are at risk to pay high medical cost.
You may have a problem getting treatment at the campus health centre if you have pre-existing condition. Having a pre-existing condition or illness does not mean to prevent you from obtaining health insurance plan, but you may not be eligible to have your treatment on your pre-existing condition. It can be troublesome if your new symptoms develop from a pre-existing one.
Health schemes are different, so be sure you find out everything about your health insurance plans. Be sure that your health plan stretch to summer break when you or your child do not take classes. This is vital for you because you don’t want to find out that your health care does not cover when you need it most. Some college health insurances may not cover during summer break, while others do.
Be certain that you study your plan thoroughly. Is it an HMO, or can the member utilise any service provider they went? This is critical. You need to know where you can go in case of emergency, and there is nothing worse than discovering that you will have to pay off the bill yourself.
There is no definitive solution to whether you should or should not commit yourself to college health insurance. Be certain that you study your plan thoroughly so that it answer to your need when you need it most. Although there is no free health insurance scheme, surely it will save you a lot of money in time of illness or accident.
For more information, please visit http://www.health-care-central.com
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Video marketing has been around for a lot longer than most health clubs realized. This form of health club marketing has been done through sales videos and presentations for many years. It is just now beginning to be popular though, because of YouTube and other social media that allows you to upload videos on the internet. Video marketing is excellent for many reasons. A couple of those reasons are for example, the fact that you can put the presentation together by yourself gives you the opportunity to personalized every detail on your video making it more appealing to the viewers. Thousands of health club members from around the world can watch your video. Videos are easy to share through internet via video sharing social media sites and health club members can also email it to one another or download it from the internet if they want to keep it on their files. Video marketing is definitely a great tool to establish your brand in the marketplace.
“Article video marketing” is simply putting together an article about the health and fitness industry or some aspect of health club and then transforming it into video. Article videos help you entertain the health club members opposed to just tapping into the audio portion where the health club members are just listening, now they are more entertained through customized animation you have in your video. This is an excellent way to get across some educational information to the health club members and it is also a way to improve your brand and become known as the “go to” health club within your community for health education and health club information.
Article videos are normally 2-5 minutes long and you can upload it on your own website. You can have a new health club article video up every week discussing a different aspect of the health club industry itself or just about anything that you can think of that the health club members want to know about health club. Make a little one to three-minute health club article video just to keep entertaining the health club member and also to keep them coming back to your site. This is something we do at MMC®; we put together a lot of videos and then we create interest so people want to come back to our website (www.healthclubconsultant.com) and we can continue giving them invaluable information.
For more free tips on increasing traffic at your health club, growing your health club membership base and advancing your health and fitness career visit us today @ www.healthclubconsultant.com or call 904-448-5727.
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