Student Health Insurance

[abynormal]

Are you choosing to pay for student health insurance offered through your program or are you using personal insurance? Curious if plans through the Affordable Health Care Act make it reasonable to students.

For example, my health insurance through the school is about $600 per semester. I am not sure what this covers/plan benefits. I am also not sure whether to pick a plan through the state I go to school or the state I currently reside.

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[steveyk]

I'm in the same boat. Not sure what to do. I hear APTA also provides health insurance (UHC) for students who are members. Any current PT students have any good suggestions?

 

[redrose424]

Are you choosing to pay for student health insurance offered through your program or are you using personal insurance? Curious if plans through the Affordable Health Care Act make it reasonable to students.

For example, my health insurance through the school is about $600 per semester. I am not sure what this covers/plan benefits. I am also not sure whether to pick a plan through the state I go to school or the state I currently reside.

Luckily, I'm still on my parent's plan. I think my school offered insurance for about 400/semester.

 

[Live2Love2Laugh]

2nd year student here. My school's insurance is about $2000 per semester. So it was more financially feasible to get my own. I enrolled through my state's market place and was able to qualify for enough advanced tax credit that I pay very little per month. But, only my income/tax return was taken into account. If it was only $400 through my school though, I'd have probably just taken it.....cheap and less hassle

 

[abynormal]

2nd year student here. My school's insurance is about $2000 per semester. So it was more financially feasible to get my own. I enrolled through my state's market place and was able to qualify for enough advanced tax credit that I pay very little per month. But, only my income/tax return was taken into account. If it was only $400 through my school though, I'd have probably just taken it.....cheap and less hassle

are you going to school in the state of your residency or out of state? If out of state what state did you get your insurance in?

 

[Phyline]

income/tax return

Do you work part time? Did you include loans in your income? I tried qualifying for credits through my state's marketplace, and they wanted proof of income....which is zero.

 

[Live2Love2Laugh]

are you going to school in the state of your residency or out of state? If out of state what state did you get your insurance in?

School is out of state and my insurance is my state of residency. I tried calling the state my school is in and got different information regarding what I would qualify for since my residency is out of state but I reside here in an apartment year-round. So I just gave up and stuck to my state. Downside, depending on the policy and how far away you are from your home state, you could have nothing that qualifies as in-network nearby. So if anything medical comes up while you're there, it could end up costly. So I threw the dice with that one and hoped for a healthy 3 years.
I'd recommend the state your school is in if you can get it.

 

[Live2Love2Laugh]

Do you work part time? Did you include loans in your income? I tried qualifying for credits through my state's marketplace, and they wanted proof of income....which is zero.

What did they say when you told them you had zero income so no tax return? I'd hope that they have a policy for that.

No I didnt include loans and I worked in undergrad so my last semester is on my current tax return since I worked the first half of last year.

 

[redrose424]

What did they say when you told them you had zero income so no tax return? I'd hope that they have a policy for that.

No I didnt include loans and I worked in undergrad so my last semester is on my current tax return since I worked the first half of last year.

Generally, I don't think you qualify for credits with no income. It may vary by state. My sister applied for the credits through GA's marketplace and was told she did not qualify because she makes too little (she has income, but it's a part-time job at a grocery school).

 

[Live2Love2Laugh]

Generally, I don't think you qualify for credits with no income. It may vary by state. My sister applied for the credits through GA's marketplace and was told she did not qualify because she makes too little (she has income, but it's a part-time job at a grocery school).

Oh, Thank you for clarifying that. It makes sense though. If you have no income, then you'd get full tax credit, which is not what the program is for. No income would probably qualify you for Medicare.
So edit, my original advice may only work if you maintain a decent paying part-time job in school. In which case, your school is the best option

 

[socalboy7]

I enrolled through my state's (California) Marketplace. It's relatively cheap for me, and I have the option to go to any provider accepting covered california plans.

Do you work part time? Did you include loans in your income? I tried qualifying for credits through my state's marketplace, and they wanted proof of income....which is zero.

I believe you would qualify for Medicaid if you have no source of income.

 

[hockeygoalie]

Do you work part time? Did you include loans in your income? I tried qualifying for credits through my state's marketplace, and they wanted proof of income....which is zero.

If you have no income you may qualify for medicaid depending on the state you are in. I know in MA with no income you can qualify for mass health even as a student.

 

[DesertPT]

An Obamacare subsidized plan for just yourself will probably run you somewhere in the neighborhood of $150/month if you get a decent tax credit, could be more if you want above average coverage, could be less if you're good with higher deductibles/bare minimum type coverage. So about the same ballpark cost as what your school is charging. From what I've seen university -based coverage usually isn't superb, but it's pretty decent. And it's usually very easy to apply for and then you can usually get any basic care you need at the student health center on campus. Downside is sometimes they require you to get a referral from the student health center before you are allowed to see a specialist, but that may vary depending on school and plan, and that can also be the case with private plans anyway.

 

[socalboy7]

Bumping a couple months old thread to share some information for those that are interested.

I am currently enrolled in Covered California (Obamacare), but my plan is based off last year's income. I have spoken to a few Covered California counselors, and since I plan to be unemployed during school, I will have to switch to MediCal (Medicaid). Personally, I do not want to switch to Medical, so I did some research and found out that the APTA has a marketplace for health insurance for members. I plan on shopping and applying during open enrollment and allowing my coverage from Covered California to last the remainder of the year.

http://www.apta.org/Benefits/Insurance/
https://apta.aonhealthplus.com/emx/member#/individual/program

 

[saint_one]

Young Adult Coverage. Under the Affordable Care Act, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old.


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[Phyline]

APTA has a marketplace for health insurance for members.

Not in every state/city 🙁
"Currently there are no plans available for your area."