Showing posts with label advising. Show all posts
Showing posts with label advising. Show all posts

Sunday, November 10, 2013

Health and Property Insurance


Does he need personal property insurance?
This is another one of those “grown-up” issues that students will need to be aware of before they head to campus. It is estimated that students bring between $5,000.00 to $10,000.00 worth of personal property with them to campus and when you combine all those easily carried valuables with the laid-back, open atmosphere on most college campuses, you have a recipe for property loss. In fact, larceny is the most reported crime on most college campuses. With this in mind, insurance is a must, but what kind?
Most homeowner’s policies will cover students’ valuables if they are living on campus and still list the family’s home address as their permanent address.  Even so, it is always a good idea to confirm your coverage and its limitations with your insurance agent before your child leaves for college. Also keep in mind that if your child makes claims against your homeowner’s policy, it could negatively affect your rate and ability to maintain coverage.
Another option is renter’s or student insurance. Renter’s or student insurance can cover a specific amount or just specific items and is usually very affordable. It will also not adversely affect your homeowner’s policy of your child makes a claim. Most major insurance companies offer renter’s insurance so speak to your current agent for the best rate.

What about health insurance
If there was ever a hot-button issue in the United States today, this is it. The cost of healthcare and insurance is staggering and although healthcare and coverage is usually the last thing on your student’s mind it is essential that you discuss the ins and outs of your policy with your child.  Imagine your dismay and frustration when you discover that your child went to an out-of network emergency room or clinic for a broken wrist when an in-network hospital was just a few more miles down the road.  The difference in the bills could well be in the thousands so it is important to discuss your policy with your child and determine where the in-network facilities are located near campus. The last thing either of you want is to pay for out-of-network medical bills instead of tuition.
Most medium to large campuses have their own health service centers or walk-in clinics on campus, and many times campus clinics are cheaper for certain services due to grants and subsidies. But, it is still a good idea to compare costs for routine visits, physicals, and prescriptions before he starts college.

Thursday, November 7, 2013

What to Expect from Orientation


Information sessions - These are held by various offices or departments on campus and are meant to introduce you and your student to the resources and services that these departments offer. For example, the university health clinic representative may tell you that they offer pharmacy services for less that your current pharmacy co-pay or the parking enforcement office may offer ways for parents to get free on-campus parking in certain lots when you visit.  There are often so many services available that students and parents don’t utilize because they missed hearing about them in orientation, or didn’t read through the handbooks or online guides. Don’t let this happen to you. Attend all the session you can, keep the handbooks you receive, and become familiar with the college’s website search feature.

Tours - Even if you participated in campus tours when your child was choosing a college, they take on a new feel as you realize that this place will be your child’s new home within a month or two. Tours during orientation are usually more specific and highlight the day-to-day routine of a typical student.
Instead of showing off the new labs or the remodeled residence hall, orientation tour guides may be able to show the student the exact buildings, dorm rooms, and classrooms they will be in on a regular basis. Chances are that your child, being a freshman, will not be able to live in the deluxe new residence halls or use the new labs that mostly juniors and seniors will access.
Some students are disappointed that they did not get their first choice residence hall or that they will be living farther away from the cafeteria than they originally thought. Remind him that he will be there for four years and by the end of his freshman year he will know where almost everything is and where he wants to live the following year.

Explanation of costs, bills and due dates - Even though the responsibility for paying tuition, fees and other expenses is technically your student’s we understand that it is virtually impossible for an 18-year-old pay for college entirely by himself. Even students who have multiple scholarships and part time jobs will need help from you once in a while, so while we may emphasize that the bills will be sent to your child, we will also tell you everything you need to know to make sure he or she doesn’t miss a deadline or end up without a meal plan due to an unpaid bill.

Campus involvement - Orientation programs often invite a number of people to talk with your student about campus involvement. Sometimes these sessions take the form of an activities showcase where a broad range of campus groups set up tables or displays that allow current members of these groups to interact with you and your child or pass out information about their organization. Other times a few offices will talk specifically about the multitude of ways to get involved and then show students how to find clubs to join and what to expect from those clubs.  Either way the goal is the same. To let new students know that college is more than just class time, and being happy and healthy on campus means being involved outside of class.

Safety and emergency information -This is one of the sessions that is often held jointly with parents and students. We know that you are concerned about your child’s safety and even if your child doesn’t tell you, he is too, even if its just because he doesn’t want you to freak out. Campus Safety is vital to the academic mission of the university, because it is extremely difficult to learn in an environment in which you don’t feel safe.
Campus police or security will often give students details about how to stay safe on campus and what to do in an emergency. Advice like locking doors, being aware of one’s surroundings, and securing property are all common tips provided by campus police, and it’s important for students to realize that their actions can play a major role in their own safety. Having this session with parents and students together assures you that your child has received this information as well.

Enrollment - The vast majority of summer orientation programs also include the student’s enrollment in his first semester of classes. These enrollment sessions are usually held for the students alone so they can sit down with an advisor, counselor or peer mentor to select classes and plan a schedule. Keep in mind that a lot has changed since we were in college and had to stand in line for hours to get a schedule that was virtually etched in stone when we left the registrar’s office.  Today, students can easily change class schedules online. This freedom is both a blessing and a curse.
Having the flexibility to change one’s schedule almost daily until classes start is very convenient, but please remind your child that just because he can change his schedule, doesn’t mean that he should.  Students have been known to accidentally enroll in senior or graduate level classes because the names of the classes were similar to the ones in which they were enrolled.  When this happens it is not uncommon for the class to be automatically dropped from the schedule, leaving the student short on classes and credit hours.
Advisors usually recommend that students can change sections or times of classes as long as they enroll in the same classes they had enrolled in during orientation. So, a student may freely change from the 8:30am section of English Composition I into the 9:30am section of English Composition I, but should avoid changing from English Composition I into World Literature I even though they are both introductory level English classes.  Once he gets into the swing of college there will be plenty of time to explore classes and take more diverse coursework, but for now, it’s best to leave well enough alone.

* Suggest that your child enroll in early classes at least three days per week, or at least wake up as early as possible. Taking classes from 9:00am or earlier each day means that students aren’t sleeping through half of their days.  They will still stay up late, but early risers tend to have better time management skills and more time during the day for classes, study, work and other activities.

If, at the end of orientation, you still have questions or if once you return home and have a chance to process all the information you received, you still have questions, don’t hesitate to call the appropriate office or the general number for the orientation or parent relations office. We are used to fielding calls and emails about just about anything and can find the appropriate person to answer your questions.