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Temporary insurance for residency? cheap options?

Discussion in 'General Residency Issues' started by bulldog, May 2, 2007.

  1. bulldog

    bulldog Senior Member 10+ Year Member

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    Sep 8, 2002
    I won't have insurance at my residency program for 60-90 days after I start...really sucks. My current carrier wants $1k for 3 months of coverage...pretty ridiculous. Anyone know where I can get cheaper coverage?
     
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  3. Dr.McNinja

    Dr.McNinja Nobel War Prize Winner Moderator Physician Faculty 10+ Year Member

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    Aug 2, 2006
    Texas
  4. MR1

    MR1 10+ Year Member

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    Apr 20, 2006
    Just type in "temporary health insurance" or something similar into a search engine and you will get a ton of options. I used ehealthinsurance.com for my wife. This isn't high quality insurance though, I am talking major medical only. Our plan has like a 1500 dedutible and then pays 80%. the only reason we got it was in case of something crazy happening. If you have health issues or need something more than you may have to pay 1K for it. I think we payed 150 for 3 months.
     
  5. mig26x

    mig26x Senior Member 10+ Year Member

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    Apr 15, 2004
    Miami, FL
    Im in the same boat, one month without insurance, from june to july. Dont want anything crazy to happen in that time period!!!
     
  6. bulldog

    bulldog Senior Member 10+ Year Member

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    Sep 8, 2002
    i'm pretty healthy guy. can't believe that the 1k the student health insurance company charges for graduates for 3 months of gap coverage is nearly halfof what I've been paying as a student for a full year of coverage. terrible.
     
  7. NinerNiner999

    NinerNiner999 Senior Member 10+ Year Member

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    Nov 4, 2003
    Where it's at.
    COBRA. Keep your current policy...
     
  8. anonymousEM

    anonymousEM Senior Member 10+ Year Member

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    Oct 25, 2002
    Cobra is expensive (in my experience about 300 bucks/month) but it ensures that you will have complete coverage for up to 18 mo after the end of your current coverage as long as you pay the bill. This ensures you never have an "uninsured period" where something bad happens and makes you "uninsurable" for the rest of your life. I thought it was worth it to suck it up and pay rather than spend time figuring out which of the cut-rate insurances. Especially if you have ANY preexisting condition...asthma etc. Even stuff that is not giving you much trouble now could potentially give you difficulties with insurance down the line if your policy lapses at all. Good luck.
     

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