3 answers
Polo
Student
Yuma, Arizona
2
Questions
Asked
233 views
Do I need Great health insurance for becoming a engineer
If I become an engineer do I need Great health insurance or do injuries barely happen or matter?
Login to comment
3 answers
Bobbi Stevens
4
Answers
Updated
Bobbi’s Answer
Hi Polo,
Depending on what type of engineering work you do, your risk factors vary for the workplace injuries. Typically your employer will have health insurance and that coverage can vary from a co-pay to a high deductible plan. Also, most employers in most US states require some form of Worker's Compensation benefits. If you encounter a workplace injury, Worker's Compensation is in place to pay the medical bills and a percentage of lost wages or other payments. Worker's Compensation requirements vary by state and in some cases industry type.
In order to determine if you need better health insurance than your employer provides, you will need to consider all your health conditions, how often you see the doctor, and what is the most cost effective for you. Your occupation as an engineer wouldn't necessarily require you to have more coverage than another low to medium risk position.
Depending on what type of engineering work you do, your risk factors vary for the workplace injuries. Typically your employer will have health insurance and that coverage can vary from a co-pay to a high deductible plan. Also, most employers in most US states require some form of Worker's Compensation benefits. If you encounter a workplace injury, Worker's Compensation is in place to pay the medical bills and a percentage of lost wages or other payments. Worker's Compensation requirements vary by state and in some cases industry type.
In order to determine if you need better health insurance than your employer provides, you will need to consider all your health conditions, how often you see the doctor, and what is the most cost effective for you. Your occupation as an engineer wouldn't necessarily require you to have more coverage than another low to medium risk position.
I appreciate your support, Bobbi
Polo
Cody Gaspar
C.I., Quality, and Reliability Engineering
17
Answers
Tulsa, Oklahoma
Updated
Cody’s Answer
The chance of getting hurt in your job is lower than in a blue collar profession. The basic insurance provided by your workplace is sufficient.
I appreciate this, thank you for the advice.
Polo
Cory Yeager, PE, SE, MsC, PPM
44
Answers
Updated
Cory’s Answer
Not sure what you expected to get from those answers.
I am extremely careful but the guy or gal in the bull dozer can’t see me on foot. Doesn’t matter how careful you are thee are still those around you that affect your job.
Easiest way to explain this is that engineering jobs in the office probably could live off a HSA style insurance (preventative) until you are older and engineering jobs in the field probably would be best served with a standard HMO or PPO.
If you don’t know what the acronyms are then don’t worry about insurance and focus more on picking a job you like. If the idea of getting hurt makes your brain do cartwheels calculating probaby impact and severity then do a desk job.
I have worked both types of jobs in different fields of engineering. Getting into the field mean maintenance and construction and those come with injuries from equipment as much as environment. Desk jobs those have their own problems. Number one injury maker in the world is slips, trips and falls. This can happen in office or field. Research OSHA stats.
Good luck.
I am extremely careful but the guy or gal in the bull dozer can’t see me on foot. Doesn’t matter how careful you are thee are still those around you that affect your job.
Easiest way to explain this is that engineering jobs in the office probably could live off a HSA style insurance (preventative) until you are older and engineering jobs in the field probably would be best served with a standard HMO or PPO.
If you don’t know what the acronyms are then don’t worry about insurance and focus more on picking a job you like. If the idea of getting hurt makes your brain do cartwheels calculating probaby impact and severity then do a desk job.
I have worked both types of jobs in different fields of engineering. Getting into the field mean maintenance and construction and those come with injuries from equipment as much as environment. Desk jobs those have their own problems. Number one injury maker in the world is slips, trips and falls. This can happen in office or field. Research OSHA stats.
Good luck.