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School Insurance vs Regular Insurance

Discussion in 'Pre-Pharmacy' started by apple84, May 13, 2007.

  1. apple84

    apple84 Junior Member 2+ Year Member

    Jun 10, 2006
    Currently, I do not have any insurance. but I am thinking about applying one because school request immunization and physical examination. I am currently living at Norther Virginia, so I think Care First in Blue cross and Blue Shield is the best. Do you think I should just wait school insurance, which starts September..?
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  3. Farmercyst

    Farmercyst On with the Poodles already Pharmacist Moderator Emeritus 10+ Year Member

    I'd say this question deserves some homework on your part. It's definitely going to require a cost benefit analysis. What does the school insurance cost? What type of policy would you get with BC/BS for a comparable cost. What deductibles are involved? What expenses are covered, which ones aren't (ER visits, Urgent Care, immunizations, physicals, etc) My blue cross insurance covers my kids immunizations, but not my own boosters for MMR. My doc wrote up my Hep B as medically necessary, so that it was covered, otherwise it would have been out of pocket.
  4. apple84

    apple84 Junior Member 2+ Year Member

    Jun 10, 2006
    I did some research about this matter. I think Care First Blue Choice-Saver is a good plan. I spoked to insurance company and they told me that this plan covers immunization. This plan does not have any deductible. This plan will let you pay copayment everytume you visit doctors ($30 for doctor, 40$ for specialist). The monthly premium is $ 105 and but school insurance is about $ 750 per 3 months. I think school plan is called AETNA Student PPO Plans.
  5. aboveliquidice

    aboveliquidice No sacrifice - No victory Pharmacist Moderator Emeritus 10+ Year Member

    Apr 23, 2006
    San Antonio, TX
    my experience has been that the low end coverage (not covering serious injury or treatment) is more affordable through school. Whereas - if you need that higher coverage - it was more affordable for me through Blue-cross/Blue Shield.

    If you are looking for immunization only, or maybe a physical or check up - the cheap plan through school is a good option. However, you may feel like you need more coverage (an appendix rupture can cost 60000+ ) so, its up to you.

  6. genesis09

    genesis09 Senior Member 10+ Year Member

    Feb 27, 2006
    You should look at the individual program. My school's insurance is fairly inexpensive, but you have to go to UIC clinics to get good coverage. If you go somewhere else, your coverage sucks. My school has a private HMO through CampusCare.

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