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Health Insurance For High Risk

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Are you one of those men who haven’t yet figured out the benefits health insurance brings to you? The following choice game will help you make up your mind. Either choose to pay small sums every month and be insured against any medical expenditure or bear the medical expenditure that emerges all of a sudden. The future is oblivious to all. The adage “prevention is better than cure" aptly embodies the theme of health insurance.



Health insurance benefits are many. Health insurance depicts a contractual relationship between an insurance company (called the insurer) and the insured. Under health insurance, the insurer agrees to indemnify or reimburse all health care costs incurred by the insured, for which the latter has to make a regular premium to the insurance company. If during the period of illness, there was any loss of income, health insurance also will compensate for this.

Health insurance is termed also as accident and sickness insurance, medical insurance. With health insurance, the insured is recompensed for all expenses made towards hospitalization, drugs and medicines, surgery, laboratory tests, physicians’ fees, X-rays, and other diagnostic procedures, radiation therapy, maternity and nursing care, eyeglasses, crutches, prostheses, etc. Thus, the greatest benefits of health insurance are brought about with the utility of time and provision for risk.

Health insurance can be classified into two classes- indemnity plans and managed care plans. The basic difference between the two is that while in indemnity plans the insured has the right to approach any doctor and get indemnified of all or a part of the medical expenses; in managed care plans, the insurance company will restrict the insured’s choice of doctors and hospitals. The insurance company has entered into an arrangement with select doctors and hospitals for the health care needs, and the insured is referred only to these.

It is not as important to decide which health insurance type one is going for; instead, the coverage of the health insurance must be carefully examined. By coverage is meant the various medical expenses that will be recompensed by the insurance company. The benefits of health insurance is very much dependant on the right cover that one is getting. A right health insurance cover will include:

•The cost of hospital room and other minor costs must be included in the hospital expense insurance.

•If you are undergoing surgery, the surgeon’s fees and other costs related to this surgery must be included in the surgical expense insurance.

•Doctors charge fees for visiting hospital to see the insured. Such fees for doctor’s visit must be included in the physician’s expense insurance.

This is not an exhaustive list and by shopping carefully for health insurance benefits, one can get covered for prescription drugs, preventive care and many more. Shop for health insurance as an individual or take a group option. Carefully consider the benefits of each health insurance scheme before acceding to one.
Health Insurance For High Risk
For most students, college is a learning experience that goes well beyond the classroom. More freedom and responsibility means more risk, which is borne out in the statistics surroundings students? use of alcohol. According to the National Institute on Alcohol Abuse and Alcoholism (NIAAA), one in three 18 to 24 year olds admitted to the emergency room is intoxicated, and about half of all fatal traffic crashes amongst this age group involve alcohol.

College health professionals are charged with a duty of care for students? health and wellbeing; the somewhat daunting task of keeping them safe from alcohol-related injury and death can be seen as part of that responsibility. The question is, how can an already-stretched college health center best tackle the continuing problem of harm related to binge drinking?

An increasing number of health professionals, including Dr. James Schaus, assistant director for clinical services at the University of Central Florida, and principal investigator in the NIAAA-funded study entititled ?Alcohol Screening and Intervention in a College Clinic?, believe the answer lies in a well-implemented program of alcohol screening followed by brief interventions for high-risk students. The goal of a brief intervention is to reduce harm and effect a change in behavior. This is particularly important for this age group, explains Schaus.

?Students are at a pivotal time in their life,? he said. ?If you can connect with a college student on the topic of alcohol and other social and preventative health issues, and get them to recognize that there is a problem and maybe even do something to change it, you're likely to be affecting their behavior for life.?

The first step, however, is to screen students for high-risk drinking. There are several ways to do this. The AUDIT or Alcohol Use Disorders Identification Test is a 10 question screen developed and validated by the World Health Organization, but there are other, even simpler screens also available. Schaus recommends a single question screen that includes the ?5/4? definition of high-risk drinking. ?If the student is male, the question is ?In the last two weeks, have you had five or more drinks in a row?? If the student is female, the figure changes to four or more drinks in a row.?

Schaus believes that the key to successful screening is to take a non-judgmental, student-centered approach. ?Alcohol can be a sensitive topic with students. If you ask them straight out about their consumption of alcohol or drugs, you're not likely to get an honest answer,? he said. ?But if you use a motivational interview style and approach the subject on their terms, making sure you're non-judgmental in the way you deal with it, they feel more comfortable.?

This style of interviewing can be applied to substance abuse, eating disorders and a range of other problems. In fact, claims Schaus, when you use this approach, you can often end up discussing other important problems that the student didn't initially plan on broaching. If the student has a positive experience talking about these sensitive topics, it also makes it more likely that they will return to the health center if they have a problem in the future.

Once you've identified the high-risk students, the next step is to conduct a brief intervention. As the name suggests, it doesn't have to be time consuming. There have been a number of studies delivered by counselors suggesting that even very brief sessions ? as little as five minutes ? can reduce harm. Schaus suggests, if possible, scheduling two 20-minute sessions and using a behavioral change counseling approach. This type of counseling is based on motivational interviewing but requires less time to be effective.

Most students fall into the category of at-risk consumption, which brief interventions are effective at tackling. According to Schaus, traditional, longer-term counseling is more appropriate for alcohol use disorders, alcohol abuse or alcohol dependency. However, usually only five to 10 percent of college students fall into these categories.

The challenge, of course, is to incorporate this into the schedule of a busy student health center. One tactic for doing this is known as the ?teachable moment?. Schaus explains, ?If a student presents with a sprained ankle because they fell over when drunk, or if they're being tested for an STD because they had a high-risk sexual encounter while intoxicated, you can use these incidents as a starting point to talk about alcohol.?

Additionally, Schaus advises that there should be a dedicated formal screen at initial patient registration at the health center. Making sure that all students have participated can be a simple process if your health center has a practice management system such as Nuesoft Xpress?. With the click of a button, a list can be compiled of all students who have not yet been screened, and a follow up letter sent to each one. Students can even schedule their own screenings via Nuesoft Xpress? student Web portal.

Schaus? screening and intervention recommendations seem to be practical ones. Yet a 2004 article by Foote in Journal of American College Health indicated that only 32 percent of college health centers routinely screen and only 12 percent use a standardized, approved screen. What's more, says Schaus, the majority of these health centers use the CAGE screen (so called because it is a mnemonic of the key words from each question) which is a screen primarily used to detect alcohol dependency rather than at-risk consumption.

?Apart from the lack of time and money, many college health centers feel their staff hasn't had adequate training to deliver an intervention,? says Schaus. ?But only eight hours of training are required for staff to be able to deliver an effective brief intervention.? Educational resources are accessible either through the BASICS program or the College Drinking Prevention Curriculum developed by the NIAAA.

This combination of screening and brief interventions appears to be effective at identifying at-risk students and changing their behavior significantly.

?At 12 months out from our initial study, we're seeing a lasting effect,? said Schaus.

Not only did the study show statistically significant reductions in all eight alcohol consumption outcomes (including peak blood alcohol count and number of drinks consumed in one sitting); it also showed reductions in alcohol related harms including driving after three or more drinks, taking foolish risks and physical injuries.

Those college health centers with Nuesoft Xpress can use the clinical study feature to track the effectiveness of their own alcohol prevention program over time. As the results of studies such as Schaus? become publicized, more college health centers will find a way to implement these types of screenings and brief interventions, making high-risk drinking on campus less prevalent and helping to safeguard students.
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About Author
Both Jenny Black & Cassie Harman are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Jenny Black has sinced written about articles on various topics from Health Insurance, Dental Insurance and Health Insurance. Jenny Black is the financial analyst at HealthInsuranceUK. She is providing independant insurance and financial advice on health through her informative articles. To find more about. Jenny Black's top article generates over 22200 views. to your Favourites.

Cassie Harman has sinced written about articles on various topics from Health Insurance. Cassie Harman writes for NueMD ( ), a provider of. Cassie Harman's top article generates over 2900 views. to your Favourites.
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