by joelbear 6 Replies latest jw friends
Does anyone here know anything about insurance?
I plan to go on COBRA for 18 months after I leave work and am in school.
Will I have to find fulltime work after that to avoid meeting preexisting conditions wait periods on an individual health plan? I have received differing answers. I'm trying to plan this out right.
Thanks for your help. It is appreciated.
Also. Any other ideas about self insuring while a full time student?
Thanks
Joel
Sorry - you said COBRA and health plan - these must be things you have in the US.
Now - Full time work, yes we Brits generally understand that concept.
Typically, yes.
There may be exceptions, but you generally cannot get Health insurance that waives pre-existing conditions without getting into a group plan. Some Small Business Associations and others offer group plans, so you may find a loophole that way.
Mike Pence
Joel,
Check your email.
Lisa
Joel -
When I went to a state college I got one of those "To the parents of" letters regarding health insurance through the school. It didn't offer great everyday benefits, but it wasn't too costly and would cover anything catastrophic. Whether it had anything to do with it being a state college, I don't know. Did not receive anything similar from county community college or private university, but they might have something for full-time students. Worth looking into at you school anyway.
Difficult access to reasonable insurance coverage when going to college because your not in your late teens or early twenties living with you parents - one more Watchtower advantage!
Bodhisattva
Hi Joel,
It really depends upon the health insurance plan. Some individual plans will not insure you at all if you exceed a specified number of pre-existing conditions. Apparently, however, some states require insurance companies to issue private plans even with pre-existing conditions if the applicant has not exceeded a specified lapse in insurance. Here's a link where I found that: http://www.stretcher.com/stories/990111b.cfm
So, check with individual companies now, before you're off of COBRA. The company that you have under COBRA may even do a conversion to a private plan as well. I'd check into that, too.
Joelbear, if you're going to a decent-sized university, you should be able to get insurance through the school. I bought insurance for myself and two sons when I went to Colorado State. I also used their medical facility (a sort of mini-hospital). That would surely be less expensive than COBRA. I'd check it out with the school you plan to attend.
Good luck.
