question about insurance

[notnursezelda]

Hello!

I'm starting nursing school in the fall, (yay!) and I need to have health insurance before hand, plus I also need to have a few physicals + vaccinations done, and I don't want to pay for that all out of pocket.

Do you guys know any pocket friendly insurance plans? (IM ON A SUPER TIGHT BUDGET)

I live in PA if that matters, and I tried for medicare/medicaid, I don't exactly qualify. I had the Womens Health Insurance thing for a while, but it only covered physicals, no sick visits or anything. Then my income level changed and I no longer have it, and I tried Affordable Health Care thinng, and I don't qualify for that either, it would be like over 100 dollars out of pocket, which I can't do.

[applejackcrunch]

I would like to make it clear that denial of service based on insurance coverage is not true for emergency services. Hospitals cannot legally deny emergency treatment of any person for any reason, including the ability to pay or the type of insurance.

Just in case anyone is reading this thread and is wondering if they'll be turned away from emergency care if they're covered by any certain type of insurance or have none...

The frustrating thing about health insurance is that people expect, with health insurance, to not have to pay that much for physicals, lab work, and routine check ups. Do we do these kinds of things with car insurance? Not very often, in fact I have never seen a car insurance plan that gave those kinds of benefits. What health insurance is designed to do is ensure that major health events, such as the need for major surgery, hospitalization, and high-priced treatments that are medically necessary will not break the bank for patients. That is what the ACA does. It provides americans with a sense of financial safety because you never know when someone will have an accident or medical emergency that will cost tens of thousands of dollars out of pocket if you're not insured. Yes, many plans are high deductible. But even $8,000 is more manageable compared to $50,000.

[LadyFree28, BSN, LPN, RN]

Unfortunately, in PA, they did not expand Medicaid; but you are still in a good position, OP; if you need insurance; your best be will be to obtain health insurance through your school.

I understand your husband's predicament, however, you are about to be on a journey for your career, and one of the requirements is to maintain health insurance throughout the program; you have it available to use through your school; then do so.

Best wishes.

[NCH, RN]

That is what the ACA does. It provides americans with a sense of financial safety because you never know when someone will have an accident or medical emergency that will cost tens of thousands of dollars out of pocket if you're not insured. Yes, many plans are high deductible. But even $8,000 is more manageable compared to $50,000.

$8000 deductible + $290 a month premium after the subsidy (I looked it up on the ACA webpage) = $11480 potentially ($220 a week). $11480 versus $50000? Either way it's bankruptcy for me, and probably many other students.

[applejackcrunch]

$8000 deductible + $290 a month premium after the subsidy (I looked it up on the ACA webpage) = $11480 potentially ($220 a week). $11480 versus $50000? Either way it's bankruptcy for me, and probably many other students.

This is true, it is really hard for most people to manage straight off the bat. But taking into account the fact that many hospitals are now offering financial plans where interest is accumulated like a loan, it is much more manageable in the long run. Plus, the usual high deductible plans should be much closer to $150 per month or less, depending on which state you live in.

[pmabraham, BSN, RN]

Good day, Not_A_Hat_Person:

Many alternatives were offered, but Reid crushed them just as Reid crushed the accountability bill for the VA scandal. Talk abut outrageous. The reason a lot of states choose not to expand Medicaid is that money does not grow on trees. It has to come from somewhere; and you have less and less doctors accepting Medicaid.

Thank you.

[Not_A_Hat_Person, RN]

Yet there's always money for war.

[pmabraham, BSN, RN]

Good day:

I May Not Be A Veteran, But… | was written by one of a growing number of doctors who understand that Obamacare is an attack on our freedom, and cannot be sustained. The VA scandal (of which 33 senate democrats, without a conscious, blocked several accountability acts that would have allowed accountability at the VA) is just a prediction of what happens when a government has its hands in healthcare. Of what happens when bills are passed without reading them (Nancy Pelosi famously remarked that Obamacare had to be passed in order to find out what's in it). BTW, Senate Democrats Just Blocked a Bill to Increase Accountability at the Scandal-Plagued Veterans Affairs Department | Washington Free Beacon is just one article of many concerning the VA accountability issue.

Thank you.