Health Insurance: An Afterthought

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

2. 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.

3. Trends in Healthcare • Increased cost of insurance • The Healthcare system is evolving • Technology leads • Medical costs increasing

4. Colleges in the Pacific Northwest • University of Idaho • Boise State University • Washington State University • Eastern Washington University • North Idaho College • Walla Walla Community College

5. Cost • Uni

6. Colleges Regulated by State Law • As University of Idaho, Boise State University, required by Idaho State Board of Education • Differences

7. Non-Regulated Universities • Most offer comprehensive insurance • Typical through a third party Washington University and Eastern Washington University are examples.

8. 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

9. Two- year Colleges • Most don’t offer comprehensive coverage • Not by law • Limited on campus services

10. 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)

11. How Do I Become Eligible? • Enroll in required credit number • Each school, number required

12. 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