If you are about to start your first year of college, you have a lot of preparation to do before you step into your first class. Enrolling in classes, buying books, moving in to a dorm or apartment--you will certainly be busy!
If you have not received all of the mandatory vaccinations, however, this exciting time can screech to a halt before it has a chance to begin. Since college living is frugal living, finding a doctor to give you your necessary vaccinations at a college-budget price can be tricky. Keep your vaccination costs low with one of these four insurance options.
See If Your Parents' Insurance Covers You
Did you know that you can stay on your parents' health insurance plan until you turn 26? If your parents' health insurance plan has dependent coverage, you can use it--even if you are a self-sufficient college student.
Ask your parents about their health insurance plans. If they are on Medicare, their plans will not cover you. If the plan has dependent care, get details about that plan now. Find out what providers are covered by your insurance and get a copy of your insurance card. Most general practice physicians on your insurance plan can update your immunizations. As an added bonus, if you get this information organized ahead of time, you take the stress out of seeking medical care if you should need it later.
Learn About Your School's Health Care Benefits
Many colleges and universities have their own medical centers and health insurance plans. If your school offers health insurance, consider enrolling for this coverage.
One of the biggest benefits of school-offered health insurance is convenience. The school's medical center is probably located right on campus or close to it, so you can get there quickly if you live in a dorm or are already on campus for classes. Once your coverage begins, schedule an appointment for immunizations as soon as possible; most schools give students a few weeks' grace to meet immunization requirements, but do not waste time. Your school can drop you from your classes if you do not comply.
Plus, these health care plans are specifically designed for students like you. Thus, the coverage that you are paying for is likely be relevant to your needs. Not only that, but your insurance payments might even be included in your tuition and fee statements, so you can use student loans to pay for it.
See if Your Employer Provides Coverage
If you are about to start college, you probably are not working forty hours a week. If you work at least 30 hours a week, however, you are technically a full-time employee. If your workplace staffs at least 50 full-time employees, it is probably legally required to offer you health care coverage. If you think you fit the criteria of a full-time employer, ask about your insurance coverage. If you are already covered, find out what doctors take your insurance and give your vaccinations.
See if You Qualify for Medicaid
If your parents, employer, or school do not cover your health insurance needs, see if you qualify for Medicaid coverage. Medicaid is a state insurance program designed to help low-income people pay for medical expenses.
Like all health insurance plans, Medicaid is not accepted everywhere. You can search online for doctors and other health professionals who will accept your Medicaid insurance coverage. Medicaid benefits vary from state to state, so you might pay out-of-pocket for certain immunizations.