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8/18/2016 Rage against the machine: No reassurance about insurance | Columns | montanakaimin.com
http://www.montanakaimin.com/opinion/columns/rage-against-the-machine-no-reassurance-about-insurance/article_9c6a947a-fb9d-5035-b0d0-422e5015b755.html 1/3
http://www.montanakaimin.com/opinion/columns/rage-against-the-machine-no-reassurance-about-
insurance/article_9c6a947a-fb9d-5035-b0d0-422e5015b755.html
Rage against the machine: No reassurance about insurance
Cassidy Belus Sep 12, 2012
This year has already fallen under the category of "financial debacle." Students nationwide are
seeing their health insurance premiums jump by the hundreds, even thousands. The good ol'
University of Montana isn't an exception. I guess it's a good thing so many of you have your
medical marijuana license. It's for the depression, right? 
In mid-September, an email went around that probably made many students feel like they were
receiving a howler. (Yeah, that's a Harry Potter reference). We were all politely informed that the
minimum number of credits required to be eligible for student health insurance had changed from
four to seven. Additionally, a two-tier system based on age was put in place to make you feel old.
(That is not verbatim; however, it is 100 percent fact.) 
To sum it up, the Board of Regents, which is in fact the proper name and not another Harry Potter
reference, decided to pass a temporary policy that allows students to take seven credits and still be
eligible for residency. At first this seems fantastic, until it's established that as a non-resident, taking
just one credit for a semester cost upwards of $900. So for students who can't afford that, and
stick with six or fewer credits, they are no longer eligible for the student insurance program, though
they may have been in previous years. For full-time students, the story is just as bleak because
premiums on the student healthcare policy are gently swindling their pocket books. Students
younger than 39 years old will notice their premiums go up by almost $200 a year. For those who
fall in the 40 years old and up category, it was not as gentle. The increase is almost $1,000 more a
year. 
Interim Curry Health Center Director Rick Curtis, who was also part of the consortium that
recommended some of the changes to the policy said that their motives for the increase were to
affect the least amount of people possible. "Consequently, we made the changes to the program
this year hoping to stabilize the program," he said.
8/18/2016 Rage against the machine: No reassurance about insurance | Columns | montanakaimin.com
http://www.montanakaimin.com/opinion/columns/rage-against-the-machine-no-reassurance-about-insurance/article_9c6a947a-fb9d-5035-b0d0-422e5015b755.html 2/3
The trends we're seeing on campus speak to a larger issue. Nationally, our health care system has
been failing its mission. What is too often viewed through partisan eyes needs to be reconfigured to
answer this: What is best for our country? Not, what is best for my party? It's hard to get through
the muck of partisan wars to see the facts when even the task of understanding health care and
insurance is baffling. For an institution that is meant to provide aid, it's shady business when the
general concepts go over many people's heads. For students, especially international, it becomes
even murkier. 
The Associated Students of University of Montana Vice President Bryn Hagfors suggests more
school involvement saying, "I'm really hoping that the University will step up and really market their
resources that will help students with these financial literacy problems." Griz Central may be a well-
known name around campus, but I bet if a few students were stopped and asked to explain its
goals, they would provide a lot of "ums." They have a sign, but when we're out of class, it's like we
stop reading. 
While UM's financial resources aren't going to sweep health care concerns under the rug, they will
provide students with more information and understanding about finances in general. Overall,
though, this generation needs to start paying attention to what is happening with health care.
Regardless of the opinions pertaining to the Affordable Care Act, it will change. Like most forms of
legislature, it evolves. Soon enough, we're going to be pulling it apart like vultures so we better start
getting creative.
cassidy.belus@umontana.edu
Features
'Hashtag May 14th': Missoula College grad's journey to Montana
Courtney Brockman for the Montana Kaimin

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Rage against the machine_ No reassurance about insurance _ Columns _ montanakaimin

  • 1. 8/18/2016 Rage against the machine: No reassurance about insurance | Columns | montanakaimin.com http://www.montanakaimin.com/opinion/columns/rage-against-the-machine-no-reassurance-about-insurance/article_9c6a947a-fb9d-5035-b0d0-422e5015b755.html 1/3 http://www.montanakaimin.com/opinion/columns/rage-against-the-machine-no-reassurance-about- insurance/article_9c6a947a-fb9d-5035-b0d0-422e5015b755.html Rage against the machine: No reassurance about insurance Cassidy Belus Sep 12, 2012 This year has already fallen under the category of "financial debacle." Students nationwide are seeing their health insurance premiums jump by the hundreds, even thousands. The good ol' University of Montana isn't an exception. I guess it's a good thing so many of you have your medical marijuana license. It's for the depression, right?  In mid-September, an email went around that probably made many students feel like they were receiving a howler. (Yeah, that's a Harry Potter reference). We were all politely informed that the minimum number of credits required to be eligible for student health insurance had changed from four to seven. Additionally, a two-tier system based on age was put in place to make you feel old. (That is not verbatim; however, it is 100 percent fact.)  To sum it up, the Board of Regents, which is in fact the proper name and not another Harry Potter reference, decided to pass a temporary policy that allows students to take seven credits and still be eligible for residency. At first this seems fantastic, until it's established that as a non-resident, taking just one credit for a semester cost upwards of $900. So for students who can't afford that, and stick with six or fewer credits, they are no longer eligible for the student insurance program, though they may have been in previous years. For full-time students, the story is just as bleak because premiums on the student healthcare policy are gently swindling their pocket books. Students younger than 39 years old will notice their premiums go up by almost $200 a year. For those who fall in the 40 years old and up category, it was not as gentle. The increase is almost $1,000 more a year.  Interim Curry Health Center Director Rick Curtis, who was also part of the consortium that recommended some of the changes to the policy said that their motives for the increase were to affect the least amount of people possible. "Consequently, we made the changes to the program this year hoping to stabilize the program," he said.
  • 2. 8/18/2016 Rage against the machine: No reassurance about insurance | Columns | montanakaimin.com http://www.montanakaimin.com/opinion/columns/rage-against-the-machine-no-reassurance-about-insurance/article_9c6a947a-fb9d-5035-b0d0-422e5015b755.html 2/3 The trends we're seeing on campus speak to a larger issue. Nationally, our health care system has been failing its mission. What is too often viewed through partisan eyes needs to be reconfigured to answer this: What is best for our country? Not, what is best for my party? It's hard to get through the muck of partisan wars to see the facts when even the task of understanding health care and insurance is baffling. For an institution that is meant to provide aid, it's shady business when the general concepts go over many people's heads. For students, especially international, it becomes even murkier.  The Associated Students of University of Montana Vice President Bryn Hagfors suggests more school involvement saying, "I'm really hoping that the University will step up and really market their resources that will help students with these financial literacy problems." Griz Central may be a well- known name around campus, but I bet if a few students were stopped and asked to explain its goals, they would provide a lot of "ums." They have a sign, but when we're out of class, it's like we stop reading.  While UM's financial resources aren't going to sweep health care concerns under the rug, they will provide students with more information and understanding about finances in general. Overall, though, this generation needs to start paying attention to what is happening with health care. Regardless of the opinions pertaining to the Affordable Care Act, it will change. Like most forms of legislature, it evolves. Soon enough, we're going to be pulling it apart like vultures so we better start getting creative. cassidy.belus@umontana.edu Features 'Hashtag May 14th': Missoula College grad's journey to Montana Courtney Brockman for the Montana Kaimin