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Author Topic: Health Insurance  (Read 1014 times)

Reesespbcup

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Health Insurance
« on: May 24, 2007, 09:55:24 AM »
So, I can get a PPO individual plan from United for ~$150/month. Or, I can get a plan through the school for ~$110. Apparently, the school plan is also through United (for what it's worth). The school plan requires referrals through the student health department but if I'm not mistaken "PPO" (the indv plan) does not require a referral. The referral/appointment through the school health dept has no deductible.

I guess my questions are, anybody have experience with school plans; how are they? Can I go to the health dept at school and take advantage of the zero-deductible if I have private insurance? Is getting a referral a big enough deal that I should pay the extra $40 a month? (Note: $40 will be a lot of money to me). 
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skeeball

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Re: Health Insurance
« Reply #1 on: May 24, 2007, 10:34:49 AM »
Are you on any medications? A lot of the plans offered through the schools don't have any Rx coverage which can make the lower premium not really worth it.

No deductible is pretty sweet though. If you're healthy and not picky about what doctors you see it probably won't be a big deal.

Reesespbcup

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Re: Health Insurance
« Reply #2 on: May 24, 2007, 11:57:20 AM »
Whoa this is a tough decision... Through the UV plan, prescripts are covered with a 15/35/50 copay but there's a $250 annual copay to see a specialist. However, once I've met that, I only pay $20 (assuming in-network) a visit.

As it turns out though, even if I have a private plan, I can go to the health center (HC) and pay no deductible too, as long as it is routine care. However, if they do any diagnostics, I have to pay out of pocket and file a claim. Seems like it would make sense not to let them do that stuff.

Also, apparently at the HC they ARE real doctors which I was worried about (maybe that's silly but I don't want some student giving me a pap-smear!). Last, the UV plan is only like $20/ month cheaper...

So, I guess I am going to call the private company now and see what they have to offer...
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beeker

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Re: Health Insurance
« Reply #3 on: May 24, 2007, 11:59:48 AM »
Whoa this is a tough decision... Through the UV plan, prescripts are covered with a 15/35/50 copay but there's a $250 annual copay to see a specialist. However, once I've met that, I only pay $20 (assuming in-network) a visit.

As it turns out though, even if I have a private plan, I can go to the health center (HC) and pay no deductible too, as long as it is routine care. However, if they do any diagnostics, I have to pay out of pocket and file a claim. Seems like it would make sense not to let them do that stuff.

Also, apparently at the HC they ARE real doctors which I was worried about (maybe that's silly but I don't want some student giving me a pap-smear!). Last, the UV plan is only like $20/ month cheaper...

So, I guess I am going to call the private company now and see what they have to offer...


It is a little silly...but I am a total worry-wort over health stuff, so I suppose I can identify.


Brett McKay

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Re: Health Insurance
« Reply #4 on: May 24, 2007, 12:34:19 PM »
My wife and I are using Blue Cross Blue Shield. We looked into the school insurance and while it would have been a great deal for me the student, covering my wife would have been super expensive. So if you're single, I'd recommend the school plan. If you're married with kids, find something else.

darlinalexi

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Re: Health Insurance
« Reply #5 on: May 24, 2007, 01:00:59 PM »
Will financial aid cover it if you go with private insurance?

I am in not great health, and I was doing $100 a month in co-pays for my medications last fall.

Reesespbcup

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Re: Health Insurance
« Reply #6 on: May 24, 2007, 01:05:29 PM »
Either way you don't get MORE financial aid if that's what you are asking. At least not in general.

If you have poor health though, you should talk to your school and they may work with you (ie let you take out additional loan money) if your recommended protocol is expensive.
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darlinalexi

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Re: Health Insurance
« Reply #7 on: May 24, 2007, 01:13:38 PM »
I hadn't thought about that.

Thanks.

marlinspike

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Re: Health Insurance
« Reply #8 on: May 24, 2007, 01:34:11 PM »
Is getting a referral a big enough deal that I should pay the extra $40 a month? (Note: $40 will be a lot of money to me). 

If $40 a month is a lot to you, then get the school one. Basically, the school one is giving you an HMO plan instead of a PPO plan (btw, if you are getting a PPO plan for $150 a month privately through United, see what they would want for an HMO plan...since $150 is very low for non-employer subsidized PPO insurance and UnitedHealthCare is not some budget company).

I don't suppose you're under 25 and can go back onto your parents' insurance since you'll once again be a full time student?
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Reesespbcup

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Re: Health Insurance
« Reply #9 on: May 24, 2007, 01:39:51 PM »
Is getting a referral a big enough deal that I should pay the extra $40 a month? (Note: $40 will be a lot of money to me). 

If $40 a month is a lot to you, then get the school one. Basically, the school one is giving you an HMO plan instead of a PPO plan (btw, if you are getting a PPO plan for $150 a month privately through United, see what they would want for an HMO plan...since $150 is very low for non-employer subsidized PPO insurance and UnitedHealthCare is not some budget company).

I don't suppose you're under 25 and can go back onto your parents' insurance since you'll once again be a full time student?

Nope, 28, but that was a good thought. I am going to contact United and see about the HMO option. I don't visit the Dr often so maybe an HMO is the way to go for me...I've never had one before though
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