Ambulance Please!

Something lots of students don’t really think about when they’re off at college is what to do in the event they wind up in a medical emergency. When it happens, and it’s happened to me, is to just do wind up in whichever emergency room the ambulance drives your broken body to. Chances are, as it was in my case, that you’ll find yourself at closest one. Well, not all hospitals are equal.

I wound up at a really horrible hospital that so happens to be footsteps from where an incident took place that left me with a few broken bones that still bother me now, years later. Had I wound up in a hospital that specializes in my injury, I likely would have received a much better treatment.

USNews and World Report, the same people that put together that top college list every year, also rank hospitals. It’s really worth studying this and putting together a list of the best facilities for various needs. It’s also worth having a primary care practitioner at your college, especially if “home” is far away. It can help with insurance companies that require referrals for even the most routine procedures.

Another issue you’ll likely be confronted with, especially as a first year student, is whether to pick up an insurance plan or, if available, retain coverage under your parents (likely a possibility if you’re under 25). The decision to spend a few more hundred dollars up front could save you thousands down the road. At my school and many others (since the company that handles health insurance for mine takes covers many universities), students are presented with a primary and comprehensive plan.

The primary is, simply put, the bare minimum. In the event of something happening, the coverage is there. It’s not the best and it requires more to spend out of pocket, but it’s something. Then there’s the comprehensive coverage that, for the most part, covers everything. Is it a game? Sure. But so is health insurance. And, knowing firsthand, having the best coverage can be a real lifesaver.