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Which do you have? If you are still under your parents, which will you get when you're 25?
Health Insurance for Med Students
- Thread starter LeLu
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I'm married and am covered under my spouse's plan, but I didn't marry until I was 29. Before that I used the Assurant Health (formerly Fortis) student plan after grad school (23).
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spouse. It's an ok ppo.
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my school's.
not a fan. might be insurance in general, but since my knee surgery in Feb they've been fighting me on the stupidest claims.
not a fan. might be insurance in general, but since my knee surgery in Feb they've been fighting me on the stupidest claims.
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I've got my school's insurance (UAB Viva) and also I am covered under my dad's insurance until I am 25, as long as I am in school.
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My family and I are going to enroll in Anthem Blue Cross Blue Shield of Virginia when I start school in August. It's a high deductible plan, but once you meet the deductible the plan pays 100%. It's basically emergency insurance that also pays for my daughter's immunizations 100%, so not too bad.
The drug coverage is pretty bad though, $15 or 40%, whichever is higher and in addition there's a $500 brand name deductible and a $2000 maximum yearly benefit. I.e., barely anything's covered worth a damn. Generics generics generics!
What the hell is the AMSA plan anyway?
The drug coverage is pretty bad though, $15 or 40%, whichever is higher and in addition there's a $500 brand name deductible and a $2000 maximum yearly benefit. I.e., barely anything's covered worth a damn. Generics generics generics!
What the hell is the AMSA plan anyway?
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I'm curious about this as well... I got a letter about buying my school's student insurance recently, and i'll have to say that I'm VERY underwhelmed by it. I'm thinking about seeking some other options, so I'm curious if the AMSA plan is any good.
any thoughts?
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AMSA's plan is through United Healthcare
https://www.uhcsr.com/selfservicesupport/students/CollegeHome.aspx
https://www.uhcsr.com/selfservicesupport/students/CollegeHome.aspx
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Thanks for the link!
I checked it out, and it offers way less coverage than the plan offered by my school... it is, however, far, far less expensive, so that's a plus.
Decisions, decisions.
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I got my schools insurance. Its not as good as my parents but I am an adult in medical school. Therefore I felt it was wrong to mooch off of them. The plan is pretty good. Free for all visits unless it is a specialist then $30. And Er is $600 then all else free.
I
Iquitos
I went with a plan through Regence Blue Cross of Idaho. It is a plan that is similar to my schools plan, but it saves me over $1500 a year. $50/month vs. over $2000/year with the schools plan. 26yo male.
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School's...still Aetna (was with Aetna from work before going to school), although going from Aetna to Aetna lead to some pretty confusing registration on their website since it couldn't look me up using my name and social since it thought I was already registered.
And I have no idea whether I have a PCP or what the heck is going on.
And I have no idea whether I have a PCP or what the heck is going on.
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never heard of amsa's insurance...guess they don't promote it too well at my school.
my school's insurance doesn't really cover much of anything as far as primary care goes, so it seems pretty useless.
covered under my wife's insurance - our blue cross plan for two people is cheaper than my school's plan would be for me alone, and the blue cross is obviously way better coverage.
on a side note, it's really sad that medical schools can't offer amazing insurance to students...or even worse that "professional courtesy" is now illegal...
my school's insurance doesn't really cover much of anything as far as primary care goes, so it seems pretty useless.
covered under my wife's insurance - our blue cross plan for two people is cheaper than my school's plan would be for me alone, and the blue cross is obviously way better coverage.
on a side note, it's really sad that medical schools can't offer amazing insurance to students...or even worse that "professional courtesy" is now illegal...
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172858
United Heath and Cigna Dental through pops. Thank you AT&T.
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We are required to enroll in the school's group plan if not covered under one's parents. My parent's plan only covered me until I was 23.
The school's plan is Humana. We have a choice between a deductible, HMO, or PPO, with the price increasing in that order. I have the HMO, it cost $2700 this year, but I just pay a $10 copay and have had no hassles from them for any claims. It includes eye and a 10/20/40 prescription plan. Dental insurance is extra and optional for I think $10 through Anthem.
The school's plan is Humana. We have a choice between a deductible, HMO, or PPO, with the price increasing in that order. I have the HMO, it cost $2700 this year, but I just pay a $10 copay and have had no hassles from them for any claims. It includes eye and a 10/20/40 prescription plan. Dental insurance is extra and optional for I think $10 through Anthem.
