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A Students Guide to Health Insurance
As a young student the last thing on your mind must be health insurance. Its time we change that. Do you know how many students drop out of college to start working due to some unexpected medical condition which costs them their entire savings? Quite a few. So its time you sit up and take notice. With the host of affordable student health insurance plans available this is not a difficult task.
Why do you need health insurance? Student life is characterized by large tuition fee and other educational costs and so their reluctance to “waste” money on health insurance is understandable. Majority of the college students arent even aware of the various college student health insurance plans that are available nowadays. People dont have accidents only after a certain age. You as a student are as much prone to an accident as anybody else walking on the street. You may feel health insurance is hard on your already tight budget but its high time you realise that low cost student health insurance is now not just a random term but very much a reality. So go for it now if you havent already.
what are your options? If you are under the age of 23 then you will probably be covered under your parents medical insurance. But if you are 23 and above or for some reason you are not covered under your parents health insurance then you should definitely go for one of the college student health insurance plans. Check out your colleges medical insurance facilities and see whether they suit your needs. However plans provided by colleges tend to be a little on the expensive side. Customized health insurance plans developed by certain hospitals have made it possible to get affordable student health insurance. These plans incorporate all the requirements that you might have from your health insurance plan. Go to your nearest medical facility and find out the services offered by them in this regard. These tend to be cheap and the premiums to be paid are minimum. Check online quotes and zero in on one of the perfect college student health insurance plans.
Benefits of getting a student health insurance Besides the obvious advantage of a health insurance which is coverage of unexpected medical expenditures, students health insurance also provides an added sense of security to students. If you are out of action due to some unforeseen medical emergency then good college student health insurance plans will provide for the best possible care thus ensuring speedy recovery. A speedy recovery means you will miss less of course work and you will not have to worry about the high costs of surgery, treatments etc. Once you are hale and hearty again you dont have to worry about paying huge bills. All this will be taken care of. The key is to find the plan that suits you best. You have to not only look for the most affordable student health insurance plan but also one that suits your requirements. This involves a little clever searching. Go around, ask your friends and family about the various health insurance plans that they have bought, search through the internet. Devote time and you will surely get the best plan.
How to Save Yourself From Drowning in Credit Card Debt
Credit card debt has been widely recognized as the primary reason why people are suffering from low credit scores in the country. The most likely reason why many people suffer from this vicious cycle of debt is that it is difficult to keep a track of all the points of expenditure through credit cards. This is especially true when a person is struck with some form of a medical or even non medical emergency. In such situations, it is impossible to think of the consequences of expenditure because expenses like medical bills cannot be avoided at the cost of life or fitness. Therefore, most people in a medical emergency end up getting trapped in debt. Fortunately, while it takes some doing, it is not very difficult to get rid of the problem. All it takes is a little bit of common sense and diligence. Consider the following steps through which you can get rid of your credit card debt, if you are stuck in one.
1. Find some good refinancers and pay each of them a visit
The first step of your strategy to get rid of credit card debt is to find and visit good refinancers in the region. The loan refinancing industry has grown significantly as the number of people getting trapped by different types of debts is increasing. Therefore, it would not be difficult for you to find some good refinancers in your region. You should shortlist the best ones and arrange an appointment with each one of them. During your meetings with these refinancing professionals, your job will be to try and get as much information about the kind of credit card debt settlement plan that they think would be good for you.
2. Analyze the credit card debt settlement plans that they have set out for you
After you have met with all the refinancing firms, you would have rough information on the credit card debt settlement plans that they had devised for you. If you are smart, you can get a lot of very useful information from a refinancing firm’s representative. You should analyze all the information that you have gathered in terms of different instruments, different schedules and, in a nutshell, the whole settlement plans’ structure.
3. Combine the positives of all the plans strategies and create your own
Finally, you should combine the good aspects of all these strategies that you think fit your specific situation and formulate your own customized settlement plan. Ideally, the best way to get rid of credit card debt would be to pay the debt. However, sometimes the debt is so large that it requires some manipulation through refinancing loans and other credit cards. Your own settlement plan would consist of this kind of information. Furthermore, since you took the positives and most suitable aspects from all the restructuring and refinancing plans offered to you, you would find that your customized plan would be better than all of them because it is designed to your specific needs by you.