HEALTH INSURANCE?

[Jmiami]

What is everyone doing for health insurance while they are in school? I plan on attending a CC (Miami Dade CC). It's very important that I am enrolled in some sort of coverage while in school. Especially since you may come into contact with who knows what during clinicals. I was just wondering if you all are going without insurance, enrolling in a private plan (with blue cross for example $$ yikes), or if your school offered some sort of health insurance plan for its students.

[P B and J]

Our school requires insurance, if you don't already have it, you must get it on your own. But they also gave anyone who inquired a site to buy a student plan pretty reasonably (I think it's about $50 a month), with just the bare minimum coverages.

[Clovery]

I pay for a private blue cross plan, but if I were younger,single and not a mom, I would just get my school's accident/illness insurance.

It's really expensive for a private insurance plan but I signed up for one when we were trying to conceive. It pays off and then some when you see how much going through a pregnancy or major illness would cost you. The problem is that once you start paying for a private plan, you can't stop. At least in my state, if you go more than 30 days without coverage (like if you stopped for the summer or switched companies with a lapse between) they will try to label everything they can as a "pre-existing condition", which they don't have to cover since you had that lapse. So if you plan on having periods of time when you'll be uninsured, don't get diagnosed with anything

Does your school require titers, CBC, PPD, any vaccines you haven't gotten yet, etc? If so, that can get pricey if you don't have any coverage, so it might be worth it to get a cheap plan that covers labs if you can find one. Otherwise I would just go for the school's insurance if you're young and healthy.

[MN-Nurse, ASN, RN]

What is everyone doing for health insurance while they are in school? I plan on attending a CC (Miami Dade CC). It's very important that I am enrolled in some sort of coverage while in school. Especially since you may come into contact with who knows what during clinicals. I was just wondering if you all are going without insurance, enrolling in a private plan (with blue cross for example $$ yikes), or if your school offered some sort of health insurance plan for its students.

My school offered a very high deductible policy for like $100 a month or so. I did the math and figured if anything really bad happened, I would go bankrupt anyway so I rolled the dice uninsured until I got a union hospital CNA job with good health benefits while still in school.

I did get stuck once when two of my back molars cracked and I paid cash to have them extracted. Otherwise I am very thankful to have made it.

[SunshineDaisy, ASN, RN]

Our school requires insurance for the health based programs. They offer insurance that is like $24 a month for basic, limited coverage, but it's all they require. I would go that route if I didn't have any insurance.

[pc2801]

I planned on finding some kind of health insurance once I was accepted to school. I just found out I was accepted, so now I need to find health insurance too.