Insurance in School?

ICRN2008, BSN, RN · Apr 6, 2006

Many universities offer student health insurance plans, so it might help to call the health clinic at your school. At both colleges I attended, the students received information in the mail a few months before the semester began.

My husband is on a temporary insurance plan right now through Blue Cross/Blue Shield. He cannot pick up insurance at his new job until May 1st. For about $50 per month, we picked up a high deductible plan that does not cover prescriptions or routine care (until after the deductible is met). We will be paying quite a bit out of pocket if he gets sick, but we would be paying almost that much for COBRA anyways.

Depending on your family income level, you may be eligible for subsidized health insurance programs for kids through your state government. (I think it's called Tenncare in Tennessee?)

Good luck!

Laughing Gas · Apr 8, 2006

Check ehealthinsurance.com Much better alternative than COBRA. It was up over 800 a month for our family of 5. We are paying 211/mo with a higher deductible in an Aetna plan.

Nitecap · Apr 8, 2006

What are those of you who don't have insurance after you start school doing for you health insurance? I know COBRA is an option, but very expenesive and would not last all the way through an anesthesia program. I have a young child, my spouse is unable to obtain insurance through his employer, so our insuance is carried by me at my hospital. Are there any good alternatives while in school to COBRA?

Luckily my programs includes insurance in your tuition. Its pricey at 1500 a year but found out this block it was so worth it. My appendix flared up about a little over a month ago. Went to the ER, spiral CT, lap appy, total hospital stay exactly 2 days total hospital Bill = $20,000. Yes you heard right $20,000. I would have be bent over and screwed, take that raped had I had not had insurance. I will end up paying about $800 instead. I had the attitude in undergrad Im young healthy and never get sick I dont need to spend the money. But really you have to expect the unexpected.

WVUturtle514 · Apr 10, 2006

Like the above posts said, most universities will offer a student health plan/student insurance. At my school, if we don't have our own insurance (like through a spouse, parent, private, etc...) we are REQUIRED to have the student health insurance. It's more pricey than a company sponsored plan, but it's added in with your tuition/fees and you're going to be so far in debt when you graduate anyways, I doubt another $1500 a year will make a difference...... :lol2: