Health Insurance for School

[nikolita]

Hello, this is my first time posting but I could really use some help. I got accepted into nursing school yesterday and I’m super excited but having health insurance is required and I currently don’t have any. I asked my school if they have any linked to them but unfortunately they do not. A lot of company’s say the “enrollment period” is over and I have to wait until about October but I need it within the next two weeks... Im trying to do research on this because I’m pretty sure there’s a way for me to get some kind of health insurance. Any help would be appreciated on where I should look to get some insurance for school!!! Thank you.

[FullGlass, BSN, MSN, NP]

Try applying for Medicaid.

[TheDudeWithTheBigDog, ADN, RN]

Most schools should be able to let you sign a waiver. Insurance is only about how you pay for any care that you need. They're not allowed to force you to not just write a check for the full amount. It's usually just something accepting that the school or the clinical site is not responsible for your medical costs if you get sick or hurt. Typically, the only times you'll ever see insurance as mandatory is when you're insuring for liability, which doesn't exist in health insurance.

Don't let that confuse you though, it changes absolutely nothing when you sign that waiver. They're not responsible if you get hurt getting a patient out of bed. But if it's a 500lb patient that's an almost total assist and there isn't a single working lift anywhere in the building, you'll win when you sue, 100% of the time, and they'll usually just volunteer to pick up the bill to avoid the public attention of not having working equipment. Basically: avoidable injuries, they're not responsible for, but injuries because of their negligence, you'll win in court. And for getting sick, it's the same thing. If you get the flu, that's not their problem, and you're responsible. But if you get TB because the filter for a PAPR wasn't working right, you'll win in court.