Judy26
Pearl Clutcher
MOTFY Bitchy Nursemaid
Posts: 2,974
Location: NW PA
Jun 25, 2014 23:50:38 GMT
|
Post by Judy26 on Oct 29, 2014 20:56:27 GMT
Has anyone here ever purchased health insurance for a college student? I'm very curious about the cost of a plan that offers decent coverage. I am the provider of our family policy and I would really like to retire. I am a teacher and after 32 years I am so discouraged at the state of education today. I have two kids still in college and was wondering if anyone had a ballpark figure as to the price of student coverage. DH is retired and can get partB Medicare and I can afford to purchase my own coverage through my district but family coverage is too expensive for me to consider. Thanks for any help you could offer.
|
|
Deleted
Posts: 0
Aug 18, 2025 20:58:19 GMT
|
Post by Deleted on Oct 29, 2014 21:01:57 GMT
To the best of my knowledge, my daughter's school was going to charge us $1500 for the year if we didn't provide proof of our own coverage. I have no idea what quality of coverage it was, though.
|
|
|
Post by Dictionary on Oct 29, 2014 21:03:05 GMT
Sorry not had to deal with that but wanted to say if he is a college student check with the college. Many times they offer student insurance. Granted they have to go the schools health clinic or whatever they call it.
|
|
perumbula
Pearl Clutcher
Posts: 3,439
Location: Idaho
Jun 26, 2014 18:51:17 GMT
|
Post by perumbula on Oct 29, 2014 21:03:10 GMT
Has the student looked into the coverage from the college? You might also look to see if they qualify for the health insurance credits. Some students do as a matter of fact, that's how my dd and her husband are getting health insurance right now.
|
|
|
Post by brina on Oct 29, 2014 21:06:10 GMT
When I was in grad school dh was changing jobs. It was easier for me to get insurance through the school. Because the university I attended also had a medical school the insurance was fantastic. For every day stuff I could use the on-campus clinic and any specialist I needed to see was covered 100% as long as I saw somebody affiliated with the med school. I got pregnant with my twins while in school and they arrived 9 weeks early. They spent 5 weeks in the NICU and nearly half a million dollars in charges were covered. It was 14 years ago, so not sure how much that has changed.
|
|
zztop11
Pearl Clutcher
Posts: 2,573
Oct 10, 2014 0:54:51 GMT
|
Post by zztop11 on Oct 29, 2014 21:10:05 GMT
Will the system you are planning on retiring from still provide you with health insurance? If you will still be with them once you retire, your kids may be able to stay on your plan. The law changed a couple years ago (I believe that's when it was) and sometimes they can be on your plan until they are age 26.
|
|
Deleted
Posts: 0
Aug 18, 2025 20:58:19 GMT
|
Post by Deleted on Oct 29, 2014 21:13:44 GMT
Agree that you should check with the universities. D [HASH]2 would have been $900 or so a semester... that is where I would look first. Don't know how good the coverage was though.
|
|
back to *pea*ality
Pearl Clutcher
Not my circus, not my monkeys ~refugee pea #59
Posts: 3,149
Jun 25, 2014 19:51:11 GMT
|
Post by back to *pea*ality on Oct 29, 2014 21:19:05 GMT
The University DS goes to requires coverage. If the student is not on a parent policy, they have an option to buy a policy through the University and I believe Aetna is the provider. As others said, check with the University.
|
|
|
Post by cindyupnorth on Oct 29, 2014 21:26:59 GMT
"The University DSL goes to requires coverage. If the student is not on a parent policy, they have an option to buy a policy through the University and I believe Aetna is the provider. As others said, check with the University" -----------------------------------------------
That. I think all collges are required to do this. It might be part of Obama care? I'm not sure. But I know they DO require it. We have found though that it's quite spendy. One dd's was 1500 a semester, and the other 1000. We kept them on our policy. Just had to provide proof of coverage. I would worry about them getting out of college, and then not having a job yet..that period between, and not having insurance. KWIM? It would be cheaper just to go get a family coverage thru BCBS. That is what we did.
|
|
peabay
Prolific Pea
 
Posts: 9,975
Jun 25, 2014 19:50:41 GMT
|
Post by peabay on Oct 29, 2014 21:45:10 GMT
When I was in grad school dh was changing jobs. It was easier for me to get insurance through the school. Because the university I attended also had a medical school the insurance was fantastic. For every day stuff I could use the on-campus clinic and any specialist I needed to see was covered 100% as long as I saw somebody affiliated with the med school. I got pregnant with my twins while in school and they arrived 9 weeks early. They spent 5 weeks in the NICU and nearly half a million dollars in charges were covered. It was 14 years ago, so not sure how much that has changed. Ditto. When I was at NortHwesten, I used their insurance and had fantastic care through their health network. Granted that was over 20 years ago, but I would certainly look into the school's option.
|
|
|
Post by buddysmom on Oct 29, 2014 21:51:54 GMT
This is not the same thing but just FYI.
My college kids are on our insurance-it also covers them overseas.
My DD will be doing a semester in Europe in the spring and insurance is required--including to transport her back to the US if something really bad happens.
The cost including regular insurance-no deductible is $1.40 per day. (they charge a daily rate) and she will be there for four months.
So we are getting that also.
No idea how they can do it that cheap but I guess it's because 20-somethings are generally very healthy.
|
|
|
Post by eebud on Oct 29, 2014 22:14:03 GMT
Will the system you are planning on retiring from still provide you with health insurance? If you will still be with them once you retire, your kids may be able to stay on your plan. The law changed a couple years ago (I believe that's when it was) and sometimes they can be on your plan until they are age 26. She said in the OP that family coverage was too expensive. I agree with the others about checking with the college. You will probably find your best deal there. We provided a policy for DSS for a couple of years when he was not in school. It was a very high deductible and it didn't cover office visits, etc. until the deductible was met but if anything catastrophic happened, he would also not be ruined financially. It was not expensive but I don't remember what the amount was.
|
|
|
Post by kayk on Oct 29, 2014 22:32:20 GMT
I read the insurance info that was given to me last year at DD's college. I was just curious. It was 1400 dollars for 1 full year. It was basically a 80/20 plan with a very low deductible. It was better than what we have as a family. The deductible was under 500 dollars.
|
|
|
Post by brina on Oct 29, 2014 22:40:53 GMT
When I was in grad school dh was changing jobs. It was easier for me to get insurance through the school. Because the university I attended also had a medical school the insurance was fantastic. For every day stuff I could use the on-campus clinic and any specialist I needed to see was covered 100% as long as I saw somebody affiliated with the med school. I got pregnant with my twins while in school and they arrived 9 weeks early. They spent 5 weeks in the NICU and nearly half a million dollars in charges were covered. It was 14 years ago, so not sure how much that has changed. Ditto. When I was at NortHwesten, I used their insurance and had fantastic care through their health network. Granted that was over 20 years ago, but I would certainly look into the school's option. What a coincidence - I was talking about Northwestern.
|
|
peabay
Prolific Pea
 
Posts: 9,975
Jun 25, 2014 19:50:41 GMT
|
Post by peabay on Oct 30, 2014 13:51:41 GMT
Ditto. When I was at NortHwesten, I used their insurance and had fantastic care through their health network. Granted that was over 20 years ago, but I would certainly look into the school's option. What a coincidence - I was talking about Northwestern. I had my first baby when I was still in grad school at Northwestern and I was on the Chicago campus at the medical school - I had amazing care. One of the best OB/GYNs in the city - just stellar care. I'm sure it's not as good as it was then, but I feel really fortunate to have received the care I did.
|
|