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Needle-stick coverage for medical and nursing students

Risk of accidental needle stick is a hazard of being a medical student or a nursing student. The cost of treatment is a covered expense under major medical policies except in a few special situations.

by Tony Novak, CPA, MBA, MT,   2/16/2012, revised 8/7/2012

A first-time conversation about needle stick coverage for medical students came up this week at Freedom Benefits that included comments from several insurance companies and medical schools. This article is meant to summarize that discussion.

Medical students and nursing students must learn to give injections to patients. In the course of instruction and practice while leering this skill thee is a risk that they may accidently stick themselves. When this happens there are certain precautionary medical treatment procedures that are routinely taken. Medical schools insist upon adherence to these treatment procedures for the protection of their students. Some schools even require that the student show proof of insurance that covers the risk of needle stick.

All U.S. major medical insurance policies, to our knowledge, cover accidental needle stick as an ordinary medical expense. This includes the lower cost plans available to individuals offered by Celtic Insurance and recommended by Freedom Benefits for those who qualify. Medical and nursing students should be aware of the following special considerations and possible exceptions:


About the author - This Web page and related content is written and periodically updated by Philadelphia-based consumer finance writer Tony Novak who has covered health care reform issues for various formats for about 30 years. Comments, questions, feedback and updates are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Twitter or through the contact information included on his Web site. Article reprint rights as well as specifically customized content may be available on request. Some content may be offered for reprint without charge; other content may be offered for a fee.   email Tony Novak  Follow Tony Novak on Twitter

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.