NYU health insurance question...

[Demeter]

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I will be starting NYU in July. The health insurance offered seems horrible. After I add my spouse to the plan it will cost nearly 700$ per month.I don't think it even includes dental. That is insane. Any options?

 

[3rdMolarRoller]

I will be starting NYU in July. The health insurance offered seems horrible. After I add my spouse to the plan it will cost nearly 700$ per month.I don't think it even includes dental. That is insane. Any options?

Lets just say I had a really bad health situation and the NYU comprehensive plan paid a $240,000 hospital bill no questions asked. All I paid was $4,100 in copay stuff

Buy the extra coverage for an additional $100 dollars/year. It raises your coverage to $500,000. Thank goodness I did.

Good deal if you ask me.

 

[3rdMolarRoller]

As for spouse, tell her/him to get a job with coverage. After 3 months of working they should be covered

 

[Generallee]

I will be starting NYU in July. The health insurance offered seems horrible. After I add my spouse to the plan it will cost nearly 700$ per month.I don't think it even includes dental. That is insane. Any options?

As far as dental insurance... I was told to not purchase it because you can get one of the upper classmen to do procedures for you for free... I don't know how true this is though... because what if someone wants to do lots of work like bridges, crowns, etc.

 

[3rdMolarRoller]

As far as dental insurance... I was told to not purchase it because you can get one of the upper classmen to do procedures for you for free... I don't know how true this is though... because what if someone wants to do lots of work like bridges, crowns, etc.

Here is the deal with seniors doing it. Its all free except you pay the lab fee. So if you need bridge and they charge patients $900, you only pay $250 lab fee.

Although cleanings and composite fillings are at no charge at all. If you want an implant its under $500 and ortho is about $1500

Actually we have a huge problem at NYU with students meeting bridge requriements. We charge patients $550 for a single implant and crown while a bridge is far more than that. So the patient, if eligable, usualy opt for the implant.

This year they are reducing our bridge requirement for graduation.

 

[Generallee]

Here is the deal with seniors doing it. Its all free except you pay the lab fee. So if you need bridge and they charge patients $900, you only pay $250 lab fee.

Although cleanings and composite fillings are at no charge at all. If you want an implant its under $500 and ortho is about $1500

Actually we have a huge problem at NYU with students meeting bridge requriements. We charge patients $550 for a single implant and crown while a bridge is far more than that. So the patient, if eligable, usualy opt for the implant.

This year they are reducing our bridge requirement for graduation.

Thanks for the clarification!

 

[jscroft]

I will be starting NYU in July. The health insurance offered seems horrible. After I add my spouse to the plan it will cost nearly 700$ per month.I don't think it even includes dental. That is insane. Any options?

3rdMolarRoller has the best idea: if your spouse can find a job with health coverage, then that'll probably be your cheapest option.

Frankly, $700/month for two adults isn't bad. The issue here is that we're talking group coverage, which is almost always more expensive than individual coverage. You just don't normally notice this because most employers--the most common source of group coverage--pay a portion of their employees' premiums. NYU has no reason to do so, since they'd just add it to your tuition anyway.

Another option is individual coverage. If you and your spouse are young and in relatively good health--particularly if you have no major pre-existing conditions--you could save a bundle by going this route. A great online source for individual health plan quotes is eHealthInsurance. Pay particular attention to their HSA options, which can be a particularly good bet for folks in your position.

Please feel free to visit us at The Service Exchange with any of your insurance-related questions. Answering them is what we do.

Regards,

Jason G. Williscroft
The Service Exchange

 

[LibertyB]

I will be starting NYU in July. The health insurance offered seems horrible. After I add my spouse to the plan it will cost nearly 700$ per month.I don't think it even includes dental. That is insane. Any options?

I think that the student insurance is a excellent deal. I was hospitallized last spring for 6 days and absolutely EVERYTHING was covered!!!!! I also have weekly doctors appointments now at NYU med center and all of it is covered! I DONT EVEN HAVE A CO-PAY!!!!!

Also, my first semester I enrolled my husband because he was working with independent contracts until the right job came along. Well...there was this bad Chinese take-out incident (from Suzie's on Bleeker) that ended in bloody diarrhea and a three day hospital stay at the NYU medical center. ALL of his bills were covered too!!!

I go to the walk-in clinic at the main campus for all of my regular illnesses like sinus infections, etc and i do not have to pay for any of it. ALSO, I went to the eye clinic there, which is a private clinic, and only had a $20 co-pay.

Bottom line, DO IT. You are required to have comprehensive insurance as a dental student, unless you can provide proof of equal coverage from another insurance company. My husband now has some of the best insurance around, and I STILL keep all of my student insurance.

As long as you stay within the NYU Med Center, everything is basically covered. The insurance is pretty ****ty if you go outside the network. AND its prescription coverage is HORRIBLE. That is why I keep my husband's insurance as well. It only takes 4 months of Singulair to max out the student health insurance prescription benefits! But, inspite of its weaknesses, it is a real deal. Just check into how much independent insurance is--You will FAINT!!

Hope this helped!!!

 

[boilermaker05]

Bottom line, DO IT. You are required to have comprehensive insurance as a dental student, unless you can provide proof of equal coverage from another insurance company.



My husband is a Marine so I have health insurance through Marine Corps, so, do I still have to buy health insurance from the school or military health insurance sufficient?