Do You Need A College Health Insurance Plan?

When you are finally done with your high school education, there is no doubt that you’ll be enrolling into a college. Many times when a child reaches the age of 20, they are no longer covered by their parents’ insurance and this can lead to a troubling situation if they are not working and just strictly going to college. However, many colleges offer health insurance plans. Whether one of these insurance plans are right for you or not takes a lot of deliberation.

College health insurance benefits are going to vary from campus to campus. Although many people think that they are free, this is not true. While there is usually no charge for an office visit and routine checkups, the student will have to pay for lab work and other specialist type of visits. Benefits will usually pay completely for only types of covered services at the campus health center. In the event that you have to see an outside doctor then the student’s coverage can drop up to 70% and run the risk of being required to pay a high deductible.

If you have a pre-existing condition, then you may have a problem with getting treatment at the college health center. Having a pre-existing illness or disability does not mean that you will be disqualified for obtaining a college health insurance plan, but you may not be able to get treatment for that pre-existing illness. This can lead to a number of problems if a new problem arises and is a product of a pre-existing illness.

All plans are different, so be sure you find out everything you can about your college’s plan. Be sure to check if you or your child will be covered during summer break when students are not taking classes. This is important because you don’t want to have an accident and find out that the insurance becomes inactive when they are not in class. Many colleges have coverage during summer break, but some do not.

Make sure you understand the plan. Is it an HMO, or can the member use any provider they want? This is just as important because you want to know where you can go in the event of an emergency, and there is nothing worse than finding out after the fact that you will be stuck with paying the full amount for a medical bill.

There really is no definitive answer as to whether you should or shouldn’t commit to getting college health insurance. Be sure that you understand your plan fully so that no problems can arise in the event of an emergency. While it is not free insurance, it surely will save you money in the event of an accident or illness.

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Making the Grade with Healthy Eating

College is one of the most difficult times of life to practice healthy eating. Because of your busy schedule, the amounts of stress, and pressure from friends to party, you may find that healthy eating is impossible. However, with a few tips you can make the impossible seem much more manageable. Healthy eating is possible in college as long as you are willing to work at it.

Make smart decisions when you are eating at your college’s cafeteria. Most students are provided with a variety of option every day, and although the dessert bar may be very tempting, try to limit the number of times you visit it every week. If your school has a buffet style cafeteria with many choices, try to choose one food from each of the food groups. Avoid anything that is processed, covered in cheese or dressing, and greasy.

Scheduling times to eat is also important. When you register for classes, look at the day with meals in mind. You should have enough time in the morning to get ready for the day and grab a quick meal, either in your dorm room or at the cafeteria. Around the middle of the day, make sure that you save time for lunch, and have a timeslot for dinner before 7 PM to avoid eating late at night. You should also plan times to stop for nutritious snacks, like fruit. If your professor does not mind, you can also take these snack foods with you to class. This is a good question to ask during the first day of classes.

The weekends can be very challenging for college students because of the pressure to go to parties, where the main food is usually pizza and the main beverage is usually beer. Order pizza and other foods can take an otherwise healthy diet and throw it down the tubes. If you plan to go out for the night and won’t be sure if there will be healthy food choices available, grab a light meal before you leave and avoid greasy calories. Having pizza and other such “college” foods, like wings or tacos, can be fine once in awhile, but if it becomes a weekly event, you’re looking at trouble

Of course, alcohol is also a great way to ruin a diet. Beer and mixed drinks have a lot of empty calories, and so skipping them altogether is a great idea. If you must drink, choose diet sodas for mixing your drinks, ask for red wine if it is available, or drink light beer. Again, these treat are fine once in awhile, because drinking alcohol every week will only make you pack on the pounds.

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College Students' Diet

When you go away to college, you are thrown into an unfamiliar environment. Sleeping in a bed that is not your own and dealing with a new roommate you don’t know may be difficult enough, but you can’t forget about learning how to eat healthy foods while at college. Healthy eating is important so that you keep the weight off and keep your immune system healthy.

It is first important to settle into an eating routine. At home, you would probably never eat after a certain time at night—don’t at college either. If you’re used to eating breakfast, wake up before classes in enough time to do so. At the very least, be sure that you have time between classes for a balanced lunch and dinner. Don’t skip meals.

If your schedule is hectic, as most people find, you’ll need to schedule time to eat. Instead of grabbing food from a vending machine when you are hungry, plan ahead. Take a healthy salad or sandwich with you to eat if you have class over mealtime. Most professors don’t mind if you bring food to class as long as your eat it quietly.

When you do have time to eat in the cafeteria, it is important to make healthy decisions. Most colleges offer pizza and a variety of desserts every day, but that doesn’t mean you have to eat them! Look for choices that have a balance of the food groups in every meal. A good indication that you have a nutritious meal is color. If your trey is colorful, with fruits, vegetables, and proteins, you are on the right track.

Of course, not every college has a cafeteria, and even if yours does you might choose to eat elsewhere. It’s very tempting to order Chinese food or other delivery, especially when participating in study groups. Try to find the best options here and allow yourself to splurge only on special occasions. For example, if someone is ordering pizza, see if the pizzeria also offers salads. This may be a healthy option. Try to stay away from fried or greasy foods.

College is one of the best times of your life. Don’t let poor eating choices ruin the experience. You might also want to note as a closing thought that alcohol has more empty calories than most of the foods you can eat at the cafeteria combined. Staying away from it can not only keep you safe, but also healthy. Add an exercise routine at a local gym, and you’ll never see that freshman fifteen!

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