Health insurance during your year off

[redrabbit]

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Hi everyone,
Does anybody know anything about health insurance. Under my parent's plan, I won't (should not) be cover once I am not a full-time student. If I take a year off of school (i don't think i would be getting a full-time job), i don't think I will be covered? right?
What do all you guys do with health insurances during this time.

 

[Hoberto]

Your university should be able to offer you something to cover you until you start school again. Then, you can join your med school's insurance plan or get back on your parents.

 

[sscooterguy]

Its a good thing you are thinking about this, not many people do.
Most health insurance will allow you to stay on your parent's plan, even if you are not a fulltime student. Just don't report it to them. I've never heard of a problem with that. My sisters were on my parents plan until late into their twenties because the plan was superior to any that their jobs could offer. Otherwise, you can continue any student health insurance for a year after you graduate at many institutions. Check with your school if that is available and how much it is.

sscooterguy

 

[CADreaming06]

look into COBRA, many of my friends used that during the times they were no longer a student/without a full time job.

 

[Em1]

I just graduated in December, so I have 7 or 8 months of not being a student. My parents' insurance doesn't know that I've graduated b/c I haven't told them, so I'm still using it for minor things. However, I did buy a short term policy of my own (really cheap premium, really high deductibles and co-payments) just in case I get into a car crash or something and have thousands of dollars in hospital bills, b/c at that point my parents' insurance would make sure I was still a student before paying that much money.

Hopefully I'll be able to buy something through my med school this fall, b/c my parents' insurance only covers through undergrad. 😡

 

[Apparition]

I just graduated in December, so I have 7 or 8 months of not being a student. My parents' insurance doesn't know that I've graduated b/c I haven't told them, so I'm still using it for minor things. However, I did buy a short term policy of my own (really cheap premium, really high deductibles and co-payments) just in case I get into a car crash or something and have thousands of dollars in hospital bills, b/c at that point my parents' insurance would make sure I was still a student before paying that much money.

Hopefully I'll be able to buy something through my med school this fall, b/c my parents' insurance only covers through undergrad. 😡

Em1,

What was the short term policy you bought. I'm currently looking for temp. insurance while changing jobs.

 

[jbrice1639]

Em1,

What was the short term policy you bought. I'm currently looking for temp. insurance while changing jobs.

i had a temporary policy with fortis...it was really cheap (i think it was around a hundred bucks a month...trying to cobra my school insurance was going to be closer to four hundred...) i highly recommend fortis as an affordable temporary insurance.

 

[JulioFly]

i was just dropped from my parents plan b/c i turned 24. i am getting short term (less than a year) health insurance from blue shield. it is REALLY cheap if you are a healthy young person and only need catastrophe insurance (emergencies). I got all my annual checkups done before my parents' work insurance on me expired, so now with Blue shield I only pay $36/month. look into it, there are lots of options out there for people in between jobs and in between school. don't be caught in a pickle uninsured, you could get screwed.

 

[redrabbit]

i was just dropped from my parents plan b/c i turned 24. i am getting short term (less than a year) health insurance from blue shield. it is REALLY cheap if you are a healthy young person and only need catastrophe insurance (emergencies). I got all my annual checkups done before my parents' work insurance on me expired, so now with Blue shield I only pay $36/month. look into it, there are lots of options out there for people in between jobs and in between school. don't be caught in a pickle uninsured, you could get screwed.

i am 21.. my insurance said that if I am 50% dependent on my parents... i am covered till 24. I earned $5000 last year.. from what i have read, I can not be claimed as a dependent..... but $500o is not enough to cover even 25% of my living.