There are three main factors to consider when a health insurance plan is chosen: coverage, cost and comparison between plans. Each factor generates its own particular questions. In considering each of these factors, you can choose the right plan for you and your family.
Coverage means the range of health services offered by your health insurance plan, such as doctor visits, hospitalization, maternity care, health care in the emergency room and prescription drugs. You want to see what your plan offers, if there are limits on some types of services or a limit on how many times you can use these services every year.
- Find out what services are covered beyond basic care and what services are not covered. If you need a specific type of care, such as orthopedic services, make sure your plan provides such coverage.
- Find out if the plan limits what doctors, hospitals and other providers can visit. If you have a favorite doctor, is part of the network your insurance plan? What if you want to see a provider that is outside the plan’s network? Will you have to pay more? Do doctors and hospitals that are part of the plan’s network are in a convenient location for you?
- If you spend much time outside the state where you live, see if you can get services for health care in other states and how the provider network outside your state.
- Check prescription drug coverage. Make sure you are covered medications that you take regularly, and whether or discounts for generic drugs if you can get your prescriptions by mail.
School nurses are available in American schools from 1902, the National Association of school nurses relationships. Health officials on site can be extremely useful in ensuring the health and safety of students. These individuals may serve as a resource for the school community as a whole and effectively ensure healthy living practices among students and staff.
Health Care Quality
The presence of a qualified health professional within the school environment ensures that all students have access to primary health care. Students who do not regularly see a healthcare professional should contact the school nurse and basic health questions. The nurse can also detect the warning signs of potential medical conditions and make recommendations to parents when they sense the need tor additional health services.
Ease of access
Why a school nurse is on site, students and staff can easily access this healthcare provider. This ease of access increases the probability that individuals within the school environment will turn to the health care provider for help instead of ignoring potentially serious diseases.