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Gap Year- I need health insurance....!

Discussion in 'Pre-Medical - MD' started by fuzzywuz, May 7, 2008.

  1. fuzzywuz

    fuzzywuz 5+ Year Member

    Jan 6, 2006
    Hey all,

    I did a search on this, but really didn't find an answer. I am a NY resident. Here are something I thought about.

    1) Blue Cross Blue Shield Plan (from what I read)
    2) Medicaid
    3) Some NYS insurance for low income?

    Anyway, I'm currently on my dad's health insurance plan. Once I graduate, I don't know how much time I have before I get kicked off the plan. I would have to consult his HR dept.

    If I am offered the job that I want, I would be covered.. If not, then I'm on my own. I will also be living at home.

    With all those variables, is it possible for me to claim myself as a independent (22y/o) and as someone with low income?

    Any advice would be greatly appreciated.

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  3. nonesuchgirl


    Nov 10, 2007
    If your parents will be claiming you, you are still a dependent.

    Check with HR. Every plan is different and it is always changing.
  4. nick_carraway

    nick_carraway 10+ Year Member

    Mar 7, 2007
    COBRA insurance is expensive, but is meant for short-term coverage between jobs/school. I'd look into it, at least.
  5. iA-MD2013

    iA-MD2013 Moderator Emeritus 5+ Year Member

    Feb 17, 2008
    Health insurance is overrated.
  6. 172858

    172858 America = The New Texas 2+ Year Member

    Oct 23, 2007
    Yea, you and 50 million other people...
  7. fuzzywuz

    fuzzywuz 5+ Year Member

    Jan 6, 2006
    Anyone have any experience with the New York State health insurance? (e.g. Family Health Plus)
  8. lilly16

    lilly16 2+ Year Member

    Jun 9, 2007
    Northern Cal
    I was in a similar situation last year- I found Tonik to be the cheapest plan. I did most of my research through But beware, you'll get tons of phone calls from insurance agents after you register. If you were a Kaiser member within the last 6 months, you can enroll in their step plan, the cheapest rate being $44 per month for good coverage!
  9. Del Griffith

    Del Griffith Banned

    May 8, 2008
    I am in the same boat. Thinkin about going unisured! :cool:
  10. [pj]

    [pj] 7+ Year Member

    Sep 13, 2006
    I just went uninsured for a year.
  11. fuzzywuz

    fuzzywuz 5+ Year Member

    Jan 6, 2006
    Going uninsured seems to risky for me...
  12. Margaux1985

    Margaux1985 0k member 2+ Year Member

    Apr 24, 2008
    The great plains of NYC
    I think you'd have insurance coverage until you're 23, unless you attend graduate school, in which case, you're covered until you're 27. If you don't find a job that has health insurance, my suggestion for you would be to find a nice boy/girl and marry him or her for the insurance coverage. :)
  13. nonesuchgirl


    Nov 10, 2007
    Totally depends on the plan.
  14. EpiPEN

    EpiPEN Aegis of Immortality 2+ Year Member

    Mar 13, 2008
    La Jolla
    That pretty much summarizes my old healthcare plan
  15. nogolfinsnow

    nogolfinsnow 7+ Year Member

    Nov 25, 2007
    If you don't have any expensive Rx and are healthy you might try a low premium high deductible plan and just make sure you don't get hit by any buses between now and when school starts. This should hopefully help out in case of any major issues.
  16. UVABranch

    UVABranch one of 6000 7+ Year Member

    Nov 10, 2004
    Washington, DC
    in PA if you are enrolled in school full time your parents can have you listed under their insurance until 26. (that could mean the day before you turn 27).
  17. ankyonline001


    May 31, 2008
    you just need to compare cost and coverage of various plans and choose the one which is best for you :)
  18. bodonid

    bodonid Dr. Spaceman 5+ Year Member

    Jul 18, 2007
    me too. I haven't ever been sick... why start now?
  19. Nooblet

    Nooblet 5+ Year Member

    Aug 1, 2007
    i got the blue cross tonik plan...its around 70 bucks a month or so. super high deductibles, high co-pays, so basically the only thing its going to help you with is if you have something catastrophic...but thats the point anyway.
  20. p30doc

    p30doc Ever true and unwavering 10+ Year Member

    Aug 22, 2007
    You could save the cost of that, by padding your room with pillows (walls and floors) and don't leave it for the year. I would also consider a protective barrier around the exterior of your home to ward off danger.

    I have humanaONE, super high deductable, but 100% coverage after that point, so I am good to get when I get hit by the bus. Costs about 110/month.
  21. LilHouse

    LilHouse Failed Premed 2+ Year Member

    Jun 1, 2008
    east coast
    Last edited: Aug 15, 2009
  22. nontrdgsbuiucmd

    nontrdgsbuiucmd 2+ Year Member

    Mar 28, 2008
    my own little world
    Probably you'd be OK without insurance. But my wife was recently admitted to a hospital due to gall bladder problems, admitted from the ER, total stay around 4 days. Our bill would have been $27,000+ without insurance, she's in excellent health.

    As a former health broker, I'd suggest you check, they have quotes from quite a few companies I believe in every state.

    If it were me, I'd look closely at a high deductible plan, something that only covers catastrophic stuff, maybe over $2,500 or so. In my state, that type of plan is around 1/4 the price of a typical policy. Your college may also offer a "gap" insurance policy for graduates that is cheap. Insurance mandates vary by state, NY has quite a few and therefore health insurance is expensive, but if there is a major health problem, you can't really declare bankruptcy as that would prevent most med school loans for a number of years, and absent bankruptcy a hospital can pursue your future (physician) earnings. I wouldn't take the risk if at all possible; $2,500 could be paid off over several years (if you go with a high deductible plan), $500K if you're uninsured and are injured in some way or get sick would be tough to recover from.

    ps cobra is really expensive, although typically the coverage is great.
  23. Maxprime

    Maxprime Higgs chaser 5+ Year Member

    Nov 28, 2005
    High deductible plan that'll pay for chemo/trauma/etc. - otherwise if you're healthy don't worry about it.
  24. Character

    Character 5+ Year Member

    Apr 23, 2008
    i did without it. you can too!
  25. AlexMorph

    AlexMorph 10+ Year Member

    Aug 11, 2007
    what the great character means to say is, you have to assess your physical and mental condition

    character is a great physical specimen of perfection, he never gets sick

    if you are like him, you dont need any health insurance either

    but if you need it, it sounds like you are on the right track with your research so far, i wish you luck on behalf of the great character!
  26. riverwoman1040

    riverwoman1040 5+ Year Member

    Jan 18, 2007
    Everyone telling you to go without insurance is giving you terrible advice. Sure if you're young and healthy, the chances that you'll be fine are high, but if something happens and you're uninsured it will be terrible. I've been healthy my whole life and suddendly needed MRI/specialist/biopsy/expensive rx for the first time at 23. There's no way to know if it's gonna happen to you, and for the price of a cheap plan it's worth the risk. Unless you find a crystal ball that will tell you which of us will be in a car accident or develop a serious condition in the next year, get insurance of some sort.
  27. alwaysaangel

    alwaysaangel 5+ Year Member

    Sep 4, 2006
    Orange, CA
    As others have said - check with your dad's HR. I was qualified to stay on my mom's health insurance because since I was applying for med school I was still considered to be "pursuing" higher education and was still able to get the insurance.
  28. 45408

    45408 aw buddy 7+ Year Member

    Jun 13, 2004
    Word. I used Golden Rule once I get married but before my wife's coverage started. It was $150 per quarter.
  29. paradocs we are

    paradocs we are In love with you 2+ Year Member

    Apr 2, 2007
    The Falls
    Oh darn, you're married. Why are the good ones always taken?
  30. 45408

    45408 aw buddy 7+ Year Member

    Jun 13, 2004
    Men/women are like toilets. All the good ones are taken, and the rest are full of crap.

    I'll holla atcha if things don't work out for me.
  31. paradocs we are

    paradocs we are In love with you 2+ Year Member

    Apr 2, 2007
    The Falls
    Men/Women are like parking lots. All the good ones are taken and the rest are handicapped.

    I'll wait for the holler. Until then, I'll watch as I flush crap.

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