Medical Insurance

[ashley_bird]

Hello,

I currently work part time and I am given medical insurance which is great because it is not super common to receive those kinds of benefits as a part-timer. Anyway, my ordeal is, I am looking at a lot of accelerated programs because this is not my first bachelors degree, I live at home, not married, and no kids, and time is of the essence. It looks like a lot of these accelerated programs do not advise their students to work because of the intensity (which makes sense). So I am wondering, how do people who no longer qualify to be on their parents' insurance (I turn 26 in July) nor are they married (happily engaged but yeah not married), have medical insurance in nursing school if they are not working?

[mitcheml98]

I'm not sure what state you live in- but in PA, you can qualify for Medicaid if you make under X-amount in the last month. I have insurance through my parents bur no one in PA accepts it because it is Wisconsin insurance. I am going to wait until I start school and apply for Medicaid so I can actually be seen somewhere and not pay out the ***! I would consider looking at the Medicaid options in your state. I would apply now, but I make too much money

Good Luck to you!!

[Quota, BSN, RN]

With my health history I am not going without health insurance. My health insurance with my last job before I started my aBSN program wasn't that great so I wasn't going to pay COBRA prices for it. I bought the one year coverage offered on partnerships with the school. It's not the best coverage, it's not cheap but not outrageous either. Hoping I become employed and covered very quickly after graduation. I looked into individual plans compared to the student plan offered by my school, they were a lot more expensive. With my previous job before starting school my income made me ineligible for aid programs.

As for working during an aBSN program people certainly do but I couldn't imagine working myself. I need my down time to relax some. Realistically I could manage picking up a few part time shifts at a job if I really had to but I'd be tired and stressed for sure.

[JustBeachyNurse, LPN]

I'm not sure what state you live in- but in PA, you can qualify for Medicaid if you make under X-amount in the last month. I have insurance through my parents bur no one in PA accepts it because it is Wisconsin insurance. I am going to wait until I start school and apply for Medicaid so I can actually be seen somewhere and not pay out the A**! I would consider looking at the Medicaid options in your state. I would apply now, but I make too much money

Good Luck to you!!

check first. Many states have waiting periods if you quit your job to become a full time student. They can and will look back at previous income when you apply. States frown on individuals quitting work to attend school full time and accessing Medicaid benefits. Check "look back" requirements (which can look back 5 years of income & assets) and other eligibility criteria