Finding health insurance... | allnurses

Finding health insurance...

  1. 0 Hi all! I was wondering if anyone else is running into a problem finding affordable health insurance for the nursing program?? I will only be working part time in August when classes start so I will not be eligible through my work for coverage and I am also a Type 1 diabetic so coverage is extremely hard to find. Can anyone give any tips or places to look that may provide affordable plans for someone like me??
  2. 15 Comments so far...

  3. Visit  BloomNurseRN profile page
    Do you have a Volunteers In Medicine or other low income clinic in your area that you would be eligible for? I lost my insurance during nursing school and hope to find a job SOON to get it back. Good luck!
  4. Visit  Cortney2013 profile page
    I have a doctor that I used to work for that sees me without my insurance and a program I use to get help on my insulin right now but it is required for me to have health insurance the entire time I am in nursing school per the program I am going into. I have to be able to provide proof that I have it before August 6th or I will lose my spot for the program
  5. Visit  smoup profile page
    Have you checked out That's where I plan on getting mine from. Don't forget, in 2014 they will not be able to refuse you based on pre-existing conditions.
  6. Visit  Cortney2013 profile page
    I haven't looked into that I will though...unfortunately I have to have the proof before 2014 I did have someone tell me that the NSNA offers insurance for nursing students but I am unsure if they cover preexisting conditions and really don't want to purchase a membership and not use it for anything else. I live in a small town so none of their conferences are ever held around here that I know of. Do any of you guys know about the NSNA?
  7. Visit  Soccermang21 profile page
    I went through I have a pre-existing condition that is not covered under "normal" plans, but I was able to work with an agent to find one that would cover me.
  8. Visit  CindysBrain profile page
    Hi there,
    I purchased health insurance through NSNA. It was about $360.00 for 3 months coverage. I don't recall them ever asking for any health history when I signed up. I've had the insurance now for 4 months and its been great! Here the link:
    est of luck!
  9. Visit  Cortney2013 profile page
    CindysBrain do you recall what the down payment for that was for initial start up? Also is the coverage only paid in 3 month premiums? Sorry for all the questions I am just trying to find something that is relatively affordable due to only working about 20 hours a week
  10. Visit  Cortney2013 profile page
    Soccermang21 do you like the coverage through Will this coverage be sufficient for the ADN program since it is just liability coverage and not complete health insurance? Again I am sorry for all the questions I am just trying to search all options.
  11. Visit  CindysBrain profile page
    No, there was no down payment and if I recall correctly you could purchase 3, 6, & 12 months at a time. I purchased this insurance when our family lost our coverage and the nursing coordinator at my program recommended it. I was still able to see my existing Dr. under the plan.
  12. Visit  Cortney2013 profile page
    I am becoming very discouraged and running into many dead ends when it comes to insurance does anyone else have any ideas of finding coverage??
  13. Visit  Shorty11 profile page
    My school suggested (if we didn't already have coverage) to purchase health insurance through Academic Health Plans. I am fairly confident that your school must offer this service to be eligible for it though. You go to, click on the students tab, and then search for your school. If your school is listed, then click on it and follow the steps to purchase a student health insurance plan. So far so good with this insurance. I have purchased it the last two years. I have no major health problems, but I have visited the doctor routinely with very little out of pocket cost. It ran me about $1,085 for 12 months. They also offer per semester plans as opposed to the plans that cover the entire academic year, if you cannot afford that much at one time. Check it out and see if your school is included on the list of schools whose students are eligible.
  14. Visit  nurseprnRN profile page
    If you go to the Yellow Pages (an actual book, I know, but still) you can find what are called general insurance agents or brokers in your area. They will find you a policy to insure your car, your apartment, your boat, your life, your plane ... or your health. They have all sorts of good connections and will help you hook up with what you need. You might also try your state nurses association or your state student nurses association.