health insurance

[ViviTheMage]

I am a full time college student and I work 35+ hours a week, which doesn't qualify me for health benefits.

I used to have health insurance through my dads work, but he quit and now I have nothing.

It seems a little risky not having any insurance, so what would be a decent plan for myself to get on? I'd like to have a low co-pay and such.

I doubt much will happen to me, but I am going to Europe this winter, so if something does....I probably want some sort of health insurance.

What is a good site to look this sort of thing up on ?

 

[ElFenix]

a) look into your college's health plan. they almost certainly have a low cost plan (large groups of generally healthy, educated 18-20somethings are cheap to insure). (though i find it odd that you don't qualify for your company's health plan at 35 hours a week).

b) that insurance likely won't work overseas, you can purchase travel insurance through travel sites.

 

[Casawi]

Mega life insurance is what I had in college. It covers when you mess yourself up in a gym too ..lol
It was required for me to even sign up for classes.

 

[ViviTheMage]

hmmm, not sure where I would look for this exactly but I will look around.

Would my work give me somewhat of a discount if I went through them ?

 

[Casawi]

I paid like $70/month

 

[ViviTheMage]

Originally posted by: Casawi
I paid like $70/month

not available where I live.

I have found some quotes ranging from 60-120$ a month , biggest difference is the larger deductible.

 

[krunchykrome]

Originally posted by: ViviTheMage
I am a full time college student and I work 35+ hours a week, which doesn't qualify me for health benefits.

I used to have health insurance through my dads work, but he quit and now I have nothing.

It seems a little risky not having any insurance, so what would be a decent plan for myself to get on? I'd like to have a low co-pay and such.

I doubt much will happen to me, but I am going to Europe this winter, so if something does....I probably want some sort of health insurance.

What is a good site to look this sort of thing up on ?

If you are already working 35+ hours per week, you should look into a regular full-time position where benefits are included.

 

[ViviTheMage]

Originally posted by: krunchykrome

Originally posted by: ViviTheMage
I am a full time college student and I work 35+ hours a week, which doesn't qualify me for health benefits.

I used to have health insurance through my dads work, but he quit and now I have nothing.

It seems a little risky not having any insurance, so what would be a decent plan for myself to get on? I'd like to have a low co-pay and such.

I doubt much will happen to me, but I am going to Europe this winter, so if something does....I probably want some sort of health insurance.

What is a good site to look this sort of thing up on ?

If you are already working 35+ hours per week, you should look into a regular full-time position where benefits are included.

yeah, but the thing that is nice here is that I get to technically choose my hours. So I can work around school perfectly!

Plus, with this experience I hope to get past the help desk crapolla when I graduate as its an IT Asst Manager position

 

[Chryso]

If you are healthy I wouldn't worry as much about co-payments and get something that is more of a big ticket policy, like coverage for broken bones and such.

 

[ElFenix]

Originally posted by: ViviTheMage
hmmm, not sure where I would look for this exactly but I will look around.

Would my work give me somewhat of a discount if I went through them ?

health center at college?


also talk to the HR person at work to see what the requirements are. it may be that, even if they don't include insurance as a benefit, you can buy it through your employer for a discount.

 

[ViviTheMage]

Originally posted by: Chryso
If you are healthy I wouldn't worry as much about co-payments and get something that is more of a big ticket policy, like coverage for broken bones and such.

do these plans include like dental and such ?

Or is that something separate as well that I need to look into ?

When I was browsing they all said 'after you pay your deductible' which tended to be 10,000$ or 5,000$ then you get the certain benefits.