Friday, September 18, 2009

Let's Talk Insurance

Everyone else is!

I work in a local school district here in town. The overall pay is not the greatest, however the benefits are amazing. One of the greatest benefits is insurance for all six of my kids and myself.

That is huge for me to say. I went years without insurance for my kids; I stressed when they got sick and couldn’t have them join sports because it required insurance.

Thankfully the school district switched over to United Healthcare this past year, and I was thrilled. I’ve dealt with UHC prior and love the company, so when I was asked to be a Mom promoter for their new UnitedHealthCare StudentResources program I jumped at the chance. Their website is located at:

What better message than, “Kids will be kids… That’s why we’re here. Our student health plan helps protect kids while they are being kids”, for school age children. With six children I have seen, a chin glued together, a broken collarbone, broken arm, spinal meningitis, strep throat, lice and unknown stomach maladies.

Here are some Key points about UHCSR

1. UnitedHealthcare StudentResources has earned parent confidence and a national reputation by offering only the finest, HIPAA-compliant student health plans.

2. The health plan offers protection/coverage for injury AND sickness, 24/7/365.

3. UHCSR’s program is only available through many participating school districts and participating private schools. Nationally available through schools that belong to the Association of Christian Schools International.

4. Many (Over 2000), but not all public school systems/districts throughout the US participate with UHCSR to offer this plan. From small rural school districts to the largest in the nation such as Los Angeles Unified and Miami/Dade County

5. The Health Plan is available to K12 students from ages 5 – 18 (ages 4-18 in Texas)

6. While the K12 Health Plan can provide a level of protection for uninsured children, it is also being purchased by many families who have high deductible employer coverage. If parents have to pay hundreds or even thousands of dollars to meet their employer plan deductible, the K12 Health Plan can reimburse them for their children’s eligible medical expenses while they are working toward meeting their employer plan’s deductible.

7. UHCSR has challenged national trends by INCREASING benefits while KEEPING the premium at 2008 levels.

8. Designed to be affordable at $588 per policy year or $98 every two months. Parents can enroll their student at any point in the school year.

Would you like to know if your child’s school/district is participating? Check out how to Enroll in the Injury and Sickness Insurance plan or learn more about the program? Check out the UHCSR award winning site.

Learning More and Enrolling:
Click on Plans & Pricing tab and enter school district name (or just a few letters) to find and select the child’s school. Click View Plan Materials to see the plan brochure, and review the Student Health Plan Coverage page regarding Student Injury and Sickness Benefits. When ready to enroll, click the Enroll Now button on the Plans & Pricing tab (or from the Home page). Complete some information about the child, select the Injury and Sickness plan, create an account, and make a payment by credit card or e-check.

Times are tough all over; the health care industry is being changed, questioned and revamped. Why not take a step forward now, look into insurance for your school age children; it might give you a bit more peace of mind.

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