Law School Discussion

Law Students => Incoming 1Ls => Topic started by: Diet Yomajesty on May 20, 2008, 07:45:48 AM

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Post by: Diet Yomajesty on May 20, 2008, 07:45:48 AM
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Title: Re: What are you doing about health insurance?
Post by: juliemccoy on May 20, 2008, 07:55:03 AM
I comparison-shopped online and got a great PPO with Humana. I know someone with the ABA plan and it is a crappy HMO. I utilize the university's health center here (courtesy of my student services fee via tuition), and any prescriptions I've had to take have been $4 generics thus far, so I haven't really "needed" the plan... but I view it as a healthy precaution for when I'm not on campus or there's a real emergency.

Please, all law students, make sure you get additional health coverage! Your university may have a special student health insurance plan.
Title: Re: What are you doing about health insurance?
Post by: skeeball on May 20, 2008, 09:55:27 AM
Bought my own plan on the individual insurance market. I'm on a plan that I used to sell before I went to LS, and sold it to people like it was the best thing since sliced bread. Now that I'm actually a member....it kinda sucks... But it's still better than the University's plan.
Title: Re: What are you doing about health insurance?
Post by: SCK2008 on May 20, 2008, 10:31:10 AM
Bought my own plan on the individual insurance market. I'm on a plan that I used to sell before I went to LS, and sold it to people like it was the best thing since sliced bread. Now that I'm actually a member....it kinda sucks... But it's still better than the University's plan.


Around how much per month are we talking for these plans, ballpark?  Dental/optical are extra?
Title: Re: What are you doing about health insurance?
Post by: juliemccoy on May 20, 2008, 11:16:38 AM
I'm paying about $160/month. No deductible. Office vists are around $30, I think, and so are Rx's.

Dental is a different insurance. However, I recommend getting a dental discount card-- it's about $100 and you'll be able to see almost any dentist and receive substantially discounted services.
Title: Re: What are you doing about health insurance?
Post by: skeeball on May 20, 2008, 12:04:08 PM
Bought my own plan on the individual insurance market. I'm on a plan that I used to sell before I went to LS, and sold it to people like it was the best thing since sliced bread. Now that I'm actually a member....it kinda sucks... But it's still better than the University's plan.


Around how much per month are we talking for these plans, ballpark?  Dental/optical are extra?

For me (25 y.o. female, non smoker, no major health issues, no maternity coverage), it was $140/month when I bought it, it went up $20 a month when I renewed this year. That includes dental. For healthy non-smoking men age 20-30, policies run a little under $100 per month (I sold some for as low as $60 per month).

Dental is usually like a $20 a month add on. Unfortunately, there's no such thing as individual vision coverage. You might get discounts with the insurance card, but it's nothing like what you would get with a group plan.

These figures are all unique to the area where I live, it could be more/less depending on how expensive health care is in your region.
Title: Re: What are you doing about health insurance?
Post by: SCK2008 on May 20, 2008, 12:08:09 PM
Sounds good.  Gives me an idea at least; thanks.  I like LensCrafters to get my glasses in an hour anyways...
Title: Re: What are you doing about health insurance?
Post by: SCK2008 on May 20, 2008, 12:22:03 PM
Nice...that could definitely come in handy...

Contacts are the expensive part- (I use daily disposables so I guess I'm not helping myself)- 1 800 Contacts.
Title: Re: What are you doing about health insurance?
Post by: SCK2008 on May 20, 2008, 12:31:16 PM
Interesting approach.

I'll be trying that as soon as I switch to one ply.

And house wine.

And...other cheap stuff.

Which is probably this August.
Title: Re: What are you doing about health insurance?
Post by: botbot on May 20, 2008, 03:38:33 PM
Being super young, I'm on the 'rents plan.  Yeehaw?
Title: Re: What are you doing about health insurance?
Post by: kasa530 on May 21, 2008, 07:22:49 AM
I'll be on my husband's plan when I quit my job. 

FYI:  I used to work part-time for an insurance agent. Unicare tends to have the cheapest rates, and are the most lenient with pre-existing conditions (though thats not really saying much). Aetna started some plan last fall aimed at twenty-somethings that is supposed to be low cost.
Title: Re: What are you doing about health insurance?
Post by: UnoriginalAndrew on May 22, 2008, 04:24:42 PM
I've got an interesting situation.  My father is US Army, Retired.  As his son, I'm covered under Tricare (which freaking rocks) until I turn 25.  So, I'll be covered for 1L, 2L, and half of 3L (January birthday).  I'll have to figure something out then.

However, in the meantime, I need to get something from the registrar's office proving I'll be a student until 2011...
Title: Re: What are you doing about health insurance?
Post by: Talk Is Cheap on May 22, 2008, 11:43:48 PM
I don't have insurance, I consider it a form of gambling.  ;)
Title: Re: What are you doing about health insurance?
Post by: Pop Up Video on May 23, 2008, 01:48:13 AM
I'm on private insurance between UG and LS. It's very, very cheap.
Title: Re: What are you doing about health insurance?
Post by: skeeball on May 23, 2008, 07:30:36 AM
Every time I'm ordering my contacts for the year and seeing how much it costs, I'm like "Ok this is the year I'm gonna get Lasik. Oh, but I just bought a year's worth of contacts so I'll just wait..."

I got new glasses this year and it was $700 for the glasses & lenses.  :o
Title: Re: What are you doing about health insurance?
Post by: t L on May 23, 2008, 04:31:48 PM
I don't have insurance, I consider it a form of gambling.  ;)

TITCR.  I feel really bad for doing this, but I can't afford insurance.
Title: Re: What are you doing about health insurance?
Post by: SCK2008 on May 23, 2008, 04:49:05 PM
Um, what if you get cancer?  Or you break your arm studying?  Or, like me, you use a nasal spray for seasonal allergies?  I like health insurance...


I love it.
Title: Re: What are you doing about health insurance?
Post by: t L on May 23, 2008, 04:54:00 PM
I went through three years of UG without insurance and never got sick once.  *knocks on wood*

I should probably get it for LS since I might not be so lucky.
Title: Re: What are you doing about health insurance?
Post by: Special Agent Dana Scully on May 23, 2008, 07:41:48 PM
I went through three years of UG without insurance and never got sick once.  *knocks on wood*

I should probably get it for LS since I might not be so lucky.

They will probably make you get it...and if you get outside insurance, it has to come with psychological counseling...bc apparently, some people actually use it  :-\
Title: Re: What are you doing about health insurance?
Post by: Alecto on May 26, 2008, 08:56:06 PM
I'm on private insurance between UG and LS. It's very, very cheap.

so maybe you would like to share with the rest of us the name of your provider and the plan you have???????    ???
Title: Re: What are you doing about health insurance?
Post by: Pop Up Video on May 26, 2008, 09:02:27 PM
I'm on private insurance between UG and LS. It's very, very cheap.

so maybe you would like to share with the rest of us the name of your provider and the plan you have???????    ???

Just go to ehealthinsurance.com and check the quotes based on what you want/need and for your location. I'm young, don't smoke, have no pre-existing conditions, etc.
Title: Re: What are you doing about health insurance?
Post by: t L on May 27, 2008, 05:09:21 PM
They will probably make you get it...and if you get outside insurance, it has to come with psychological counseling...bc apparently, some people actually use it  :-\

lol.   :-\ @ the psychological counseling.

It's included in our budget, but I don't know if they make you get it.  I hope not.  I wanted to use that money to supplement my monthly budget.  I know.  I know.  My priorities are screwed up.
Title: Re: What are you doing about health insurance?
Post by: ->Soon on June 25, 2008, 08:07:04 AM
bump


anyone have opinions on BCBS?
Title: Re: What are you doing about health insurance?
Post by: john jacob on June 25, 2008, 02:14:53 PM
I assumed that the university-provided insurance would be better than anything from the individual market due to bargaining leverage. How much do they usually cost at your schools?
Title: Re: What are you doing about health insurance?
Post by: smujd2007 on June 25, 2008, 02:18:01 PM
The university health insurance is normally fairly cheap--and you can have the money taken out of your student loan, normally, so you never even see the bill. 

I say, instead of gambling on not having insurance, pack a brown bag lunch 3 days a week (treat yourself the other 2 days) and buy used books.  You will be surprised at how much money this saves.
Title: Re: What are you doing about health insurance?
Post by: Ninja1 on June 25, 2008, 04:02:00 PM
I took the FSU insurance plan. It's pretty cheap and very comprehensive, plus it comes straight out of my aid package.
Title: Re: What are you doing about health insurance?
Post by: john jacob on June 25, 2008, 04:35:12 PM
yeah, comparing them, the university for me is better, plus it covers dental and vision and pharmacy.
Title: Re: What are you doing about health insurance?
Post by: Steve Jones on June 25, 2008, 05:11:48 PM
yeah, comparing them, the university for me is better, plus it covers dental and vision and pharmacy.

John,

I hope you are still considering applying to Florida Coastal and taking advantage of the scholarship we have ready for you. As you know, based on your LSAC data, you are pre-qualified for admission and a $150 per year merit scholarship. You only need to submit an application and I will request your LSDAS report with two letters of recommendation. The vast majority of candidates with your credentials are being accepted and receive the scholarship as soon as I receive their application.

No matter how you choose to apply, I will waive your application fee. You can either choose to apply through LSAC (we don't charge an application fee) or to speed-up the process, you can apply at www.fcsl.edu/enroll/  (http://www.fcsl.edu/enroll/). Just enter "0222" on top of the form where it asks for a Fee Waiver Code. We have rolling admission so no application deadline, but don't wait much longer or seats and/or scholarships will become sparse.

I look forward to receiving your application and please stay in touch.

Steve

P.S. - John Jacob Jingleheimer Schmidt; His name is my name, too! Whenever we go out, all the people always shout, "There goes John Jacob Jingleheimer Schmidt! Da da da da da da da..."
Title: Re: What are you doing about health insurance?
Post by: ->Soon on July 28, 2008, 07:42:48 AM
bump
Title: Re: What are you doing about health insurance?
Post by: Alecto on July 28, 2008, 04:58:31 PM
Anthem has a pretty decent plan (at least in Indiana).  The Indiana University system has good insurance for grad students, with no co-pay when you use the student health center.  UGA was the same way.