Why do nursng students HAVE to have health insurance b/4 they strart cliniclas? - page 2

:uhoh21: I was informed recently that I have to have health insurance b/4 I start my clinicals and I can not afford that not even if the school gives it to me for $400.00 a month. My husband owns his... Read More

  1. by   KibbsRNstudent
    Quote from LPN2Be2004
    To CYA the school and the clinical sites in case you get sick or hurt.

    400 a month is ridiculous. We only had to have the minimum coverage, the rest was optional. And that didn't even equal to 100 a month.
    What I don't get is if I get hurt it won't affect the hospital or school at all if I have to pay out of my own pocket for my medical bills. They will have nothing to do with it. My husband and I came up with taht as a reason btu then dismissed it bc it really does not involve the school at all if I get sick and need to see my doc and pay for it my self. We were thinking liability sounds more convincing to make us have but not health insurance.
  2. by   KibbsRNstudent
    Quote from bluesky
    Geez you're husband doesn't sound very supportive of your career.
    well he is supportive as long as he gets what he wants out of it. He almost made me quit school a couple semsters ago. not sure why. then he decided he wants to move to FL and he will build our house and I will be the sole supporter of the family while he takes 6 months to build the house. So this would be more plausable if I were a nurse rather than a cashier in a grocery store. I am a stay at home mom now. I was a CNA before I had kids. My kids are young. 3 and 4. We will start paying fro school as soon as they start b/c we want to send them to Christain school. So i need a goo job and nursing is what i have ALWAYS wanted to do. So now, yeah, is is somewhat supportive. He was mad that i may not be able to finish if we don't staighten this insurance issue out b/c he won't get his FL house. We own the land and it makes him mad to stay in a "siberian" stae when we could be in FL. Personally. I LOVE NH and I would be here all my life if I were not with him.
  3. by   KibbsRNstudent
    Quote from angelac1978
    if you don't have to buy it through the school, check out Fortis Health's student plan. I have this plan and it was enough to satisfy my school's requirement.

    A

    www.studentselect.com
    Sounds great. is it under $100 a month?
  4. by   KibbsRNstudent
    Quote from sparrowSN
    I also have to have health insurance to be enrolled at state university. It's for all students, not just nursing students. My school offers the Blue Cross/Blue Shield plan at student rates and will charge through your student account. This translates to your student financial aid covering it (if you have enough aid). It's $534 per semester in Montana for this plan. I'm not sure what state you live in, Blue Cross is okay in Montana and pretty good in Oregon as far as what they coverage. You also might look into working enough part-time at a hospital that would provide health insurance as part of your benefits package (many facilities are looking for nursing students to be nurse assistants and will be flexible with hours). Although, I will tell you that I could not work the second year of the program because of the class load.
    A person above posted that your husband doesn't sound very supportive of your career based on your comment that he wants you to quit school over this. I'm also concerned for you about this reaction. I'll be graduating in May and trust me, it gets a LOT worse than insurance coverage while you're going to nursing school. If he's already asking you to bail, you might need to have a long talk with someone who's married and has already went through the nursing program or one of the nursing faculty in order to prepare your marriage for what's in store for you. It is an experience that could make or break your marriage. There are two students near divorce in my class and three that quit school to save their marriage. Hopefully, your husband will get the honor of pinning you at your pinning ceremony when your finished. Good luck! You can do it as long as you can see it happening!
    About my husband and supprt. I said in another post here taht he is now supportive b/c it benifts him too now but also I do have assistance from a hospital I promised to work for for 3 years after graduation. I only get a max of $30,000.00 for the entire time I am in school and if we have to pay $400.00 a month, that is $10,000.00 in health insurance and that would be too much. The money won't be a problem for the normal class load for us. that won't break us. We have endure $20,000.00 stolen from us by a client and we survived. And he has offered to come home at noon everyday I have classes so I can do my cliniclas and not worry about the kids. He will just go to work ealier and work Sat. too. He is doing well now in the support dept.
  5. by   KibbsRNstudent
    Quote from angelac1978
    if you don't have to buy it through the school, check out Fortis Health's student plan. I have this plan and it was enough to satisfy my school's requirement.

    A

    www.studentselect.com
    Just wanted to thank yu for telling me about this plna. that was very sweet. Unfortunately I can not do it b/c it is not offered in my state. I went to the website and tried to get a quote and it said it is not offered in NH. Fooey!
  6. by   KacyLynnRN
    I am in the LPN to ASN program at Indiana University and I know what you mean, Kibbs, it is a BIG pain in the butt! They made me show proof of medical insurance, proof of liability insurance, AND I had to go have a complete physical and since I didn't have my immunization records, I had to have a titer and insurance didn't cover it, $250 out of my pocket!!! I don't remember jumping through nearly this many hoops in LPN school!!!
  7. by   jemommyRN
    Are you sure that the Health Insurance is $400.00 per MONTH? Ours is $235.00 per YEAR. I don't think that $400.00 per month is affordable and I wouldn't accept it. That's outrageous!!! Your husband has a right to be angry.
  8. by   jemommyRN
    Oh yeah, in our student advisement meeting , the professor said that one year (before they required health insurance), a student pass out in clinicals and hit her head on something and received stitches. She said that it has been three years since that student has graduated and she is still paying those medical bills off. So, ever since then they have been requiring that the students have health insurance as of the first day of clinicals.
  9. by   Kyriaka
    I am also faced with this problem.

    At the moment I have Cobra. I pay $450 a month. It will run out before clinicals start. As a former burn patient (and also a Lyme/Babesiosis patient) I am unable to get insurance on my own--for any price.

    The schools that I am looking at do offer health insurance. I hope that they consider their own health insurance "good enough" otherwise I wont be able to finish my schooling thru no fault of my own.
  10. by   KibbsRNstudent
    Quote from jemommy
    Oh yeah, in our student advisement meeting , the professor said that one year (before they required health insurance), a student pass out in clinicals and hit her head on something and received stitches. She said that it has been three years since that student has graduated and she is still paying those medical bills off. So, ever since then they have been requiring that the students have health insurance as of the first day of clinicals.
    my problem is that I just don't see how that affects the school at all. I will pay out of my own pocket if I hit my head here at home and will be paying for it no matter what if I am at school or at home. It has nothing at all to do with the school whether I can pay my own medical bills and whether or not I pay out of my pocket or with health insurance. It does not affect the school at all. It is my personl business. grrr.
    The school nursing program sec. said she had no idea why they require it and has refered me to the health services dept to give me an answer and to tell me how much it will be. Like I said if I lose my kids ins. b/c I got ins. for myself for school I will be really mad. My kids need it more than me b/c I am hesitant to bring them t the docs with no ins. That is dangerous.
  11. by   KibbsRNstudent
    Quote from Kyriaka
    I am also faced with this problem.

    At the moment I have Cobra. I pay $450 a month. It will run out before clinicals start. As a former burn patient (and also a Lyme/Babesiosis patient) I am unable to get insurance on my own--for any price.

    The schools that I am looking at do offer health insurance. I hope that they consider their own health insurance "good enough" otherwise I wont be able to finish my schooling thru no fault of my own.
    wow, i feel for you. I am so sorry, I hope you do get the ins. that is required. it is a shame some of us may have to leave school b/c we don't have health ins. and we can't afford it.
  12. by   jackleg27
    Quote from KibbsRNstudent
    :uhoh21: I was informed recently that I have to have health insurance b/4 I start my clinicals and I can not afford that not even if the school gives it to me for $400.00 a month. My husband owns his owm business so we do not have health insurance and it would cost us over $1000.00 to get it that way and I have 2 young kids and do not work outside the home so no insurance thru a workplace. I need to know the reasoning behind us having to have health insurance as my husband is mad and wants me to quit school now b/c he feels the school just wants more money and theere is really no reasoning behind us needing helath insurance. Any thoughts? I was accepted into the nursing program and am currently in it and start clinicals this fall. It is not easy to get into this school and it is the closest school to me and this is why I can attend. If I quit, there is no saying taht I could get back in later. They only want serious students, not ones who quit half way thru the program.
    I am a nursing student as well and you can get school insurance for cheaper than 400/mo. Check online I got insurance for around 130 bucks for 3 months.
    It is crappy insurance, but better than nothing.
  13. by   KibbsRNstudent
    Quote from jackleg27
    I am a nursing student as well and you can get school insurance for cheaper than 400/mo. Check online I got insurance for around 130 bucks for 3 months.
    It is crappy insurance, but better than nothing.
    Update all! I called the school and found out taht the ins. the school offerse is $420.00 for 12 months! Not per month. yay! That is much more reasonable. I know it is bare minimum accident and sickness(basically disability) but oh well. It is more reasonable money wise.
    I still have to be sure that my kids are not dropped from the state ins. that thye currently receive b/c it is good ins. my kids are getting.

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