Insurance: Are you prepared?

Robin Humbert

Instead of writing something useless like how the mayonnaise jar in the cafeteria should pump easier then it does, or, as I usually do, some sort of social critique, I am writing to inform students as to how to protect themselves when they graduate.Of the many responsibilities students have to take on once graduating, the one that I am speaking of is insurance.

I, as many students I know, am insured by my parents’ plan through their work. However, upon graduation, (completion of a degree, or my twenty-third birthday,) I will be dropped. What’s the big deal? I should get a job that will offer me benefits, right? Well, I don’t have one yet. I also suppose I could pay monthly for my own insurance, but, without a job, that makes paying insurance companies difficult. I could just go without insurance; I mean, I just won’t get sick or hurt, right? Well, things don’t always go as planned; trust me – they don’t.

I really am concerned about what to do, because even if I get a plan, there’s the deductible that I will have to pay first. There are many other tasks on my mind other than getting insurance, and I do not like having it clouding my view. I am writing this to warn other students about this dilemma, which may have been overlooked, because I don’t like being worried by myself. In short, all you other seniors should be concerned, too.

I would suggest getting a full physical by your doctor, dental cleaning, or anything else that may be bothering you before graduating. Some insurance policies will only pay for needed visits, so you may want to check that out before scheduling an appointment. Consider it as insurance for you, just to make sure you are all right until you can figure out your own solution to the real insurance problem.