by Alisha Dunn
During college, many students have a level of comfort because if we’re ever in need of medical attention, our parents’ health insurance has it covered.
Then the day comes when we are too old to have that coverage. So what’s next? Does my school have a health care program? Or will my job pick up the slack? Or maybe I should try individual health care insurances with a major provider?
Sad to say, all of these questions have the possibility of a bad answer. Recently the Metropolitan Community Colleges began offering a Student Injury and Sickness Insurance policy. With an annual fee of $1,034, students can be covered for a full year or they can pay by semester. If you’re transferring out to one of the area college such as Rockhurst University, UMKC, Johnson County Community College or the University of Kansas, all have some form of healthcare programs for their students.
UMKC houses a health center that provides physical examinations, STD testing, well-woman exams and many other basic needs. Although they don’t charge for visits and assessment, they charge for outside testing.
Rockhurst University Health Center provides everything for their students except surgery. Each student is charged differently, depending on what type of treatment they receive. They’re also billed later for the cost.
The University of Kansas has a health center that employs from eight to 10 physician for their students’ needs. You most be a full-time student in order to qualify for this program. At JCCC, the school doesn’t have a healthcare program but they do have information on different providers in the area.
As for the job, most students work only part-time because of a heavy study load. In most cases, this means students do not qualify for any employment benefits.
That leaves us with individual health care. Individual medical insurance can start as low as $69.95 a month with an unknown provider and up to $200 a month with a major provider like Humana One. But does the United States have a program that would help students?
Lucy Torres, training technician for Family Support Services, said that the United States does not offer such a program run by state or federal governments.
“It’s because of budget reasons,” she said.
It does offer a wide variety of other very hopeful programs like Medicaid and Medicare. Medicare is a federally funded program run through the Department of Health and Human Services. To qualify, you most be retired, over 65 years of age and receive Social Security. Medicare offers health care, disability benefits and income benefits for the elderly.
Medicaid is a federally funded program that differs from state to state. In the state of Missouri, Medicaid, or Federal Support Services, is a health care program for families or children and pregnant women. The program provides other services as well health care.
Through FSS, Missouri provides food stamps, temporary assistance for needy families, cash benefits, medical assistance for the elderly, blind and disabled and assist in paying Medicare primary. FSS also has a program for immigrants to qualify – it all depends what status they have entered the United States with. For example, if you come to the U.S. seeking refuge, you would have immediate services that include Medicaid benefits.
Medicare and Medicaid are both great programs. Unfortunately, neither can help most college students. Maybe one day our country will offer a health care program for poor college students like us.











November 21, 2003
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