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Problems Before Nursing School

Pre-Nursing   (1,302 Views 19 Comments)
by Remia Remia (Member)

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Hello, I am a nursing student who is starting the nursing school in Fall 2019. I am currently facing some problems before attending the nursing school. I learned that I need a stable transportation, auto insurance, and health insurance, but I do not have any of these. I do have a driver licence, but I do not have a car which also means no auto insurance. I also do not have a health insurance, and when I searched up to get one, none of the health insurance is available to apply right now because I missed the date to apply for it. I can't afford to get a car and an auto insurance, but I do not have enough money nor financial aid. My financial aid does not even cover for my tuition, so I'm paying with my loan. What do you guys think I can do to fulfill these requirements before nursing school? 

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1 Follower; 681 Posts; 3,320 Profile Views

Are you in the US? Is there a way to apply for Medicaid? Do you already work and haven't picked up insurance at your job? Since you don't have a car, is other transportation available in your area like city buses, trains?

Medical insurance is a must. I'm thinking car/car insurance are subject to waiver if you live in a city with viable means of transportation like trains/buses.

What I suggest is reach out to your nursing admissions recruiter and explain the situation for a more solid idea on how to move forward. They can help you decide other options, extend the deadlines to correspond to clinicals (which is usually why insurance and transportation are mandatory), or extend your start date until next semester/fall to give you a chance to meet the requirements.

Good luck!

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1,012 Posts; 10,794 Profile Views

I agree with NurseBlaq about the requirements for a car and auto insurance. Programs want to make sure that you have some sort of reliable transportation that will allow you to arrive at class and clinical sites on time. Most programs have very strict requirements regarding how many classes or clinicals that can be missed prior to an automatic failure of the course. If you can prove you have some other form of reliable transportation - such as a family member, friend, public transportation, class mate, etc - you should be fine.

Another possibility for your health insurance, many colleges and universities offer student policies... usually these policies are very reasonably priced.. you may want to check with the program to see if such a policy is offered.

Best of luck.  

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152 Posts; 1,490 Profile Views

Do you know anybody in your class that you can carpool with?

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1 Follower; 681 Posts; 3,320 Profile Views

2 hours ago, 203bravo said:

 

Another possibility for your health insurance, many colleges and universities offer student policies... usually these policies are very reasonably priced.. you may want to check with the program to see if such a policy is offered.

 

Forgot all about schools offering students health insurance. Good info!

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33 Posts; 443 Profile Views

Definitely check with your school to see if they offer healthcare for students. Most of them do. Also, a lot of the time "stable transportation" just means you can show that you have a reliable way to get back and forth to campus. If you don't own a car you won't need auto insurance...so, you may just need to Uber or take public transport to school daily, if you aren't too far away.

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21 Posts; 265 Profile Views

Thanks everyone! I will definitely contact the nursing department tomorrow to explain my situation (unfortunately, the office already closed when I came back from work...) 

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NICU Guy is a BSN, RN and specializes in NICU.

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Once you start classes, find someone that lives either near you or drives past your neighborhood on the way to class and negotiate gas money to take you to class. No college student is going to turn down gas money if picking you up on their way to class is not an inconvenience. 

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No job or school can force health insurance on you.  Think about it, what if you're a millionaire and you'd rather just write a check for all your medical costs?  Suddenly doesn't make sense to be required to have health insurance now, does it?  Typically there's a waiver, talk to your school.  Nobody can force you to pay for your medical costs any particular way.

Auto insurance is up to your state.  Lots of states let you "self-insure" yourself for liability if you can prove that you have the money to cover what would be charged to an insurance company if you caused damage.

As for having a car, no, you just need to be on time for clinicals and classes.

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152 Posts; 1,490 Profile Views

1 hour ago, tonyl1234 said:

No job or school can force health insurance on you.  Think about it, what if you're a millionaire and you'd rather just write a check for all your medical costs?  Suddenly doesn't make sense to be required to have health insurance now, does it?  Typically there's a waiver, talk to your school.  Nobody can force you to pay for your medical costs any particular way.

In Massachusetts you're required to file proof of health insurance when you file your taxes or else you're charged a penalty. Taken from my own student handbook: "Chapter 23 of the Massachusetts Acts of 1988 requires that all students registered for nine or more credit hours must participate in a comprehensive health insurance plan unless they certify that they are participating in a health insurance plan with comparable coverage."

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217 Posts; 1,924 Profile Views

If you end up carpooling with people, please show them you appreciate them and give them a respectable amount of cash for gas money. I had one girl I picked up and dropped off before/after every clinical in first semester and she would "forget" the money half the time and our clinical site had valet parking too. It got old.  Very fast.. I know it's sad I'm typing this, but some people just have no courtesy. I wasn't mean or rude to her at any point I just silently vowed never to carpool again.

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Rose_Queen is a BSN, MSN, RN and specializes in OR, education.

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2 hours ago, tonyl1234 said:

No job or school can force health insurance on you.

Actually, that is indeed a stated requirement of many, if not most or all, nursing programs.

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