{"id":3502,"date":"2018-01-10T09:00:23","date_gmt":"2018-01-10T09:00:23","guid":{"rendered":"https:\/\/blogs.winona.edu\/wellness\/?p=3502"},"modified":"2019-10-09T15:47:02","modified_gmt":"2019-10-09T15:47:02","slug":"cover-your-assets-understanding-health-insurance","status":"publish","type":"post","link":"https:\/\/blogs.winona.edu\/wellness\/blog\/cover-your-assets-understanding-health-insurance\/","title":{"rendered":"Cover Your Assets: Understanding Health Insurance"},"content":{"rendered":"<p>One of my best friends from high school said to me, \u201cOh, I don\u2019t have health insurance. There really is no point to it.\u201d It&#8217;s a common belief, but today I&#8217;m going to talk about why health insurance is important, and how to get insured.<\/p>\n\n\t\t<style type=\"text\/css\">\n\t\t\t#gallery-1 {\n\t\t\t\tmargin: auto;\n\t\t\t}\n\t\t\t#gallery-1 .gallery-item {\n\t\t\t\tfloat: left;\n\t\t\t\tmargin-top: 10px;\n\t\t\t\ttext-align: center;\n\t\t\t\twidth: 100%;\n\t\t\t}\n\t\t\t#gallery-1 img {\n\t\t\t\tborder: 2px solid #cfcfcf;\n\t\t\t}\n\t\t\t#gallery-1 .gallery-caption {\n\t\t\t\tmargin-left: 0;\n\t\t\t}\n\t\t\t\/* see gallery_shortcode() in wp-includes\/media.php *\/\n\t\t<\/style>\n\t\t<div id='gallery-1' class='gallery galleryid-3502 gallery-columns-1 gallery-size-full'><dl class='gallery-item'>\n\t\t\t<dt class='gallery-icon landscape'>\n\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"618\" src=\"https:\/\/blogs.winona.edu\/wellness\/wp-content\/uploads\/sites\/6\/2017\/12\/17307624302_5bcefdccf3_b.jpg\" class=\"attachment-full size-full\" alt=\"health insurance\" srcset=\"https:\/\/blogs.winona.edu\/wellness\/wp-content\/uploads\/sites\/6\/2017\/12\/17307624302_5bcefdccf3_b.jpg 1024w, https:\/\/blogs.winona.edu\/wellness\/wp-content\/uploads\/sites\/6\/2017\/12\/17307624302_5bcefdccf3_b-300x181.jpg 300w, https:\/\/blogs.winona.edu\/wellness\/wp-content\/uploads\/sites\/6\/2017\/12\/17307624302_5bcefdccf3_b-768x464.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\n\t\t\t<\/dt><\/dl><br style=\"clear: both\" \/>\n\t\t<\/div>\n\n<p>Creative Commons Photo Credit: <a href=\"https:\/\/www.cheapfullcoverageautoinsurance.com\/\">Source<\/a><\/p>\n<p><strong>Why do I even need health insurance?<\/strong><\/p>\n<p>You&#8217;re not the only one asking. So let\u2019s say you really did not want to study for that exam and thought, \u201cWell exercise is better than studying text books, and lecture slides can\u2019t make me feel guilty while I am hiking. Better health, better me!\u201d So you hike up some of Winona\u2019s scenic bluffs, trying to be as mindful as possible. Then, suddenly, you trip over an exposed tree root that was covered by the crunchy brown foliage and the next thing you know you have a broken leg.<\/p>\n<p>A visit to the emergency room can be quite expensive, not including treatments, physical therapy expenses and other fees that you didn&#8217;t realize existed. If this broken leg requires surgery, then the cost can could be even higher.<\/p>\n<p>However, with health insurance, the insured individual will only pay the doctor\u2019s co-pay and some other costs based off the health insurance deductible. That is why health insurance is important! Without it, a broken leg or a hospital stay can put you or your family into some serious debt. With health insurance, the broken leg becomes a much more affordable accident.<\/p>\n<p><strong>How can I learn more about health insurance?<\/strong><\/p>\n<p>Health insurance can be intimidating, I know. This video explains health insurance lingo and other common questions.<\/p>\n<p><span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe class=\"youtube-player\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/sBxLmKBqa60?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=en-US&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation allow-popups-to-escape-sandbox\"><\/iframe><\/span><\/p>\n<p><strong>How do I get coverage?\u00a0<\/strong><\/p>\n<p>So, if you are still with me (which you should be because this is important), we&#8217;re going to look at ways to get insurance. If you do have health insurance (either under your parent(s)\/guardian(s) plan, or on your own) and you are not quite sure what is covered or not, just call your insurance\u2019s customer service number on the back of the card and ask them.<\/p>\n<p>If you are a Minnesota resident and do not have health insurance check out <a href=\"https:\/\/www.mnsure.org\/\">MnSure<\/a>. The website is simple to navigate and it provides basic steps, enrollment questions and information about the application process. The cool part is that you may also qualify for financial assistance! The application and enrollment period is November 1 through January 14.<\/p>\n<p>For Wisconsin residents and other out-of-state Warriors, please check out <a href=\"http:\/\/www.healthcare.gov\">www.healthcare.gov<\/a> and apply for health insurance. Health insurance is an important, \u201cadult\u201d thing to have because it makes everyday and the emergency health conditions easier on the bank account.<\/p>\n<p><strong>Resources<\/strong><\/p>\n<p>If you have more questions about how to get or use health insurance, you can call the Insurance Coordinator Traci Kauphusman at 507.457.2297, or call the main line of <a href=\"https:\/\/www.winona.edu\/healthservices\/\">Health, Counseling &amp; Wellness Services<\/a> at \u00a0507.457.5160.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s a common belief that health insurance isn&#8217;t worth it. But today I&#8217;m going to talk about why health insurance is important, and how to get insured.<\/p>\n","protected":false},"author":67,"featured_media":3507,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1,73],"tags":[],"class_list":["post-3502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wellness-blog","category-winona"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/blogs.winona.edu\/wellness\/wp-content\/uploads\/sites\/6\/2017\/12\/17307624302_5bcefdccf3_b.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7PQJv-Uu","_links":{"self":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts\/3502","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/users\/67"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/comments?post=3502"}],"version-history":[{"count":7,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts\/3502\/revisions"}],"predecessor-version":[{"id":4540,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/posts\/3502\/revisions\/4540"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/media\/3507"}],"wp:attachment":[{"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/media?parent=3502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/categories?post=3502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.winona.edu\/wellness\/wp-json\/wp\/v2\/tags?post=3502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}