Why does my BSN program require health insurance? - page 2

I just got information on all of the things I need to complete in order to begin my BSN program at UCF in Janurary. Everything was familiar to me because I have been through the process once before when I was accepted to an ADN... Read More

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    Quote from ashleyisawesome
    I see you are only 20, cant you get on your parents' health insurance for free? Thats what I did. I think with the new healthcare law you can stay on til you are 26!
    Well, my parents are my grandparents, and my grandfather works at a hospital and they told him that I could not be on the insurance anymore when I turned 19...so I haven't had any for almost two years now. I tried to get FL healthcare but it wasn't really worth what I paid, they didn't have my providers on the list and the co-pay was more than I expected for a specialist, the dental plan which was cheap didn't even end up covering half of the bill when I had to get a filling or cleaning and x-rays. So I just canceled both.

    My school (UCF) does offer student insurance through atena which was what I had with my grandparents, I think I'm going to enroll for that. They also offer a pretty affordable dental plan too.

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  2. 1
    Quote from brielle776
    Well, my parents are my grandparents, and my grandfather works at a hospital and they told him that I could not be on the insurance anymore when I turned 19...so I haven't had any for almost two years now. I tried to get FL healthcare but it wasn't really worth what I paid, they didn't have my providers on the list and the co-pay was more than I expected for a specialist, the dental plan which was cheap didn't even end up covering half of the bill when I had to get a filling or cleaning and x-rays. So I just canceled both.

    My school (UCF) does offer student insurance through atena which was what I had with my grandparents, I think I'm going to enroll for that. They also offer a pretty affordable dental plan too.
    the new health care bill that was enacted on 9/23 states that for all new policies, adults can remain on their parents (guardian's) health insurance until they are 26 yrs old. Existing policies are grandfathered until Jan. 1. So, at the very latest, you should be able to be added to your Grandparent's insurance after Jan. 1
    dudette10 likes this.
  3. 0
    Quote from CuriousMe
    the new health care bill that was enacted on 9/23 states that for all new policies, adults can remain on their parents (guardian's) health insurance until they are 26 yrs old. Existing policies are grandfathered until Jan. 1. So, at the very latest, you should be able to be added to your Grandparent's insurance after Jan. 1
    This is true, and if you qualify, check into the cost and benefits and do a comparison. We cover my stepdaughter under this law, but my state requires a separate policy and premium, i.e. she isn't technically on our coverage, and the premium is not deducted from my husband's paycheck nor available as a tax deduction to us. It may be a tax deduction to her, however.
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    Im in the Bsn program as it was just a requirment because we go to clinical settings and perform and work with patients so if anything happens we have to be coverred by our insurance!
  5. 0
    Quote from brielle776
    I just got information on all of the things I need to complete in order to begin my BSN program at UCF in Janurary. Everything was familiar to me because I have been through the process once before when I was accepted to an ADN program that I didn't end up attending. One of the things that was different was that the UCF program required all students to have health insurance. I know rules are rules and I am in no way trying to say that it's stupid, but health insurance is expensive and I barely have the money to go to school. So I am just wondering what that rationale is behind requiring us to have health insurance. Does anyone know?

    If you can't get help, go to daveramsey.com he has a link to go to and get INS. quotes and he will only endorse reputable people. When I was pricing it out I found some good plans for like 117 a month for just me with good coverage and deductible. If you aren't one to get sick a lot, get a higher deductible., it will be a lower monthly payment. Find out also exactly what kind of coverage you have to have as the school requirements.


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