Nursing student insurance options

classicdame, MSN, EdD · Jun 4, 2014

Ask the school if they have any contracts with companies. Could be some one is allowing discounts for students. Another option is to talk to general insurance agent to see what is out there.

Nolli · Jun 4, 2014

Depends, if you are under 26 you could be covered under your parents since they extended the amount of time you can be covered with ACA. That goes up to 31 if your insurance carrier is from NJ because of the DU31 law. Both of the extended parent coverages are for dependents, so won't work if you have kids/are married. You could also look at what your school offers. My school has very good health insurance choices, but not all schools do. Lastly you could look in the health exchanges in your state otherwise known as obamacare or ACA.

Not_A_Hat_Person, RN · Jun 4, 2014

You can keep your employee's insurance for up to 18 months with COBRA, though it could be very expensive. If your school doesn't offer student health insurance, you can talk to an ACA navigator to check out your options.

nurseprnRN, BSN, RN · Jun 4, 2014

There is no such thing as "stuck with Obamacare." "Obamacare" is not an insurance product. But you do have lots of options.

If you are

If you are over 26, what you can do is go to your state health exchange (or the federal one if your state doesn't have one) and work with the staffers there to help you see what insurance you can buy. Premiums are decreased (or free) depending on your income, and you cannot be refused.

You may also be eligible to buy health insurance through your school. Ask.

You can look in the Yellow Pages to locate a general insurance agent who can help you identify a plan.

jcw702 · Jun 5, 2014

Lots of help guys thanks. I have a routine appointment coming up with the school health department advising. I didn't know that is even offered at some schools.

Trauma Columnist · Jun 6, 2014

Interesting off topic discussion. Can we get back to the original topic? Thanks

SeanPN777 · Jun 6, 2014

Haven't read all the comments so I apologize if this is redundant information... but if you join the student nurse association there is insurance available through them. I'm not sure about the cost though. I joined through my college.

nolanurse88 · Jun 7, 2014

I'm in the same situation, currently working full time receiving health insurance but will be going down to part time once school starts. I signed up with Assurant health it was $67/month. It's not the greatest but enough to get me through clinicals.

Not_A_Hat_Person, RN · Jun 8, 2014

If the OP's school offers student health insurance, they should examine it very carefully and find out exactly what is covered. I went to school in Massachusetts, where any student taking more than 8 credits in a semester has to have health insurance. Every community college in the state offered the same awful student health plan. It included maternity care because of state law, but it didn't cover physicals, medications, well woman care, or organ transplants. The organ transplant exclusion was mentioned at least 3 separate times. If COBRA is too expensive, you may be better off with an ACA plan.

Trauma Columnist · Jun 8, 2014

Please stick to the topic at hand. If you wish to debate the merits/risks, etc., of Obamacare, please take it to another thread.

Thanks.