By Jessica Rogers Alexis Melendreras Kathy Schnell Blake Lindsay Dalton VanderPol Why is Healthcare Important In 2002 medical costs were 5286 National average per person has increased to 8233 ID: 161771
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Slide1
Health Insurance: An Afterthought
By
Jessica Rogers, Alexis Melendreras, Kathy Schnell, Blake Lindsay, Dalton VanderPolSlide2
Why is Healthcare Important?
In 2002, medical costs were $5,286
National average per person has increased to $8,233
Student debt is increasing
High demand for health care as population age is increasingSlide3
Trends in Healthcare
Increased cost of insurance
The health care system is evolving
Medical costs increasing due to technological advancement and HMO’s are profitingSlide4
Colleges in the Pacific Northwest
University of Idaho (UI)
Boise State University (BSU)
Washington State University (WSU)
Eastern Washington University (EWU)
North Idaho College (NIC)
Walla Walla Community College (WWCC)Slide5
Cost
NIC and WWCC provide minimal benefitsSlide6
Colleges Regulated by State Law
Idaho State Board of
Education requires UI and
BSU’s
students to have insurance
Student Health Insurance
P
rogram (SHIP)
BSU and UI’s SHIP programs are similar but different in cost and some benefits
N
ecessary services on campus provided by both collegesSlide7
Non-Regulated Universities
Most offer comprehensive insurance
WSU and EWU provide third party insurance
Not all services available on campus
Compared cost per school is slightly differentSlide8
Benefits of Insurance Through Universities
Decreased cost, comprehensive coverage, minimal fees
Treatment is in close proximity to campus, some services are on-campus
Typically less credits are required to be eligibleSlide9
Two- year Colleges
Most don’t offer comprehensive coverage
Not required by law
Limited on-campus services (i.e. STD,
UTI
, cold, flu, strep testing and counseling)
Outside services are paid out of pocketSlide10
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
s
ervice agencies)Slide11
How Do I Become E
ligible?
Enroll in required credit number
Varies per school UI, NIC, and BSU are 1+ credit, WSU and EWU are 6+ credits Slide12
Where do I go from here?
Quality/cost ratio
K
nown services offered:
t
rauma, surgical, preventative services
Understand payment method co-pay or percentage
Take spouse/children into consideration