Benefits are fast becoming a rarity in company plans for newly hired employees. Fewer and fewer companies and organizations are offering excellent benefits, due to increasing costs and liability. Though it saves corporations billions of dollars, it does little to ensure employee happiness and health -- a potentially costly situation for workers without other options. Of all those benefits offered to employees, health insurance options are of the greatest importance.
For soon-to-be graduating seniors or students slowly branching out from their parents, it's the little things like health insurance that you don't miss until it's not there.
With a solid roof still over most students' heads, they often forget the services provided by parents and guardians or their employer's health coverage plans. Whether it be filling a pesky cavity or enabling cheaper prescription prices, health insurance saves money as much as it does lives. We often tend to think of health insurance as beneficial only in extreme emergencies, but in actuality, it can save the most money in common medical expenses.
While an extra deduction out of a paycheck or the check written for the annual premium charge seem detrimental to our bank accounts, they are helping to offset costly medical bills that can pile on at a time when we least expect it. Much like car insurance, you may never have to use your insurance to its full ability, but if you do, you're glad it's there.
Even Ball State officials, when looking to transition between health care providers, double-checks to make sure all students on the previous plan will be covered on the new one. For the university to put that much attention into making sure students are not, even for one second, left without coverage, it must say something about the risks faced by those who don't have it at all.
While it may be tempting to discount the usefulness of insurance and pass on it until a later time -- say, when you "can afford it" -- living without it is a gamble with potentially unrecoverable losses.
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