Do I need insurance?

While we used to have a relative confidence that charges for our family's health care were covered by insurance, such coverage is now far from certain. "Managed care" plans are increasingly common and the issue of whether a given service is covered has become more complicated and uncertain. Given the high cost of medical inpatient and outpatient care, it is obvious that a serious medical condition, while improbable, could nonetheless be financially difficult if not covered by insurance.

Insurance plans often designate a Primary Care Physician or other specified ("preferred") providers (including hospitals, pharmacies, laboratories, etc.) in order for services to be covered. This means that your family may be covered only for services performed by your designated providers in your home town, but not by another provider in another city (e.g., a provider in Cincinnati).

Many plans have restrictions such as pre-authorization, or pre-certification of services. Follow-up care may not be covered after an emergency. This might mean that if an out-of-town Xavier student broke her leg and received emergency services in Cincinnati, subsequent outpatient follow-up care might not be covered. This could mean that even though such care were available in Cincinnati, the student would have to return home to get it, perhaps making it difficult to complete the academic year at Xavier.

Therefore, we urge you to take time to determine the nature and specific limits of health insurance coverage you may now have for you or your student. Be certain you understand any restrictions concerning eligible providers (including primary care doctors, referral to specialists, hospitals, labs, pharmacies, physical therapists, etc.), payment for "out-of-network" or "out-of area" services, emergency and follow-up care, pre-authorization of care, exclusions, co-payments and deductibles.