OLD SCHOOL (must be 30 and over ITT)

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BVest
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Joined: Tue Mar 20, 2012 1:51 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby BVest » Wed May 24, 2017 11:16 pm

The school plans tend to be pretty good, or at least they were a couple years ago. I started law school prior to the PPACA taking full effect and got on the school's health plan for me and Mrs. Vest. It was a pretty darn good plan all things considered (price, benefits, and network) and we had a 2-month premature baby during that time. Despite $380k in billed charges, we only paid $6600 total out of pocket ($300 deductible * 2 and $3,000 in co-insurance max out of pocket). Plus it was a July-June benefits year so it wasn't like you lost your place in benefits after the first semester.

lmb38
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Joined: Wed Mar 22, 2017 4:12 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby lmb38 » Thu May 25, 2017 11:39 pm

Great to hear, and really encouraging. Thanks Vest!

CMac86
Posts: 154
Joined: Sun May 08, 2016 8:32 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby CMac86 » Tue May 30, 2017 5:48 pm

lmb38 wrote:
Insurance issues aside for a moment, is your medical condition affecting which schools you would choose? For example you couldn't consider School A even if its plan was good because of your condition? I probably need to be a little more realistic about my choices considering some of my limits.


Yeah, I hadn't really thought about it until a couple weeks ago, when it dawned on me that I may need to make considerations based on the health care situation. The AHCA passing the house made the reality sink in.

From the bit of research I've done, it looks like most schools do have insurance (student health insurance plan, or SHIP). But, it looks like it varies widely. Some are group plans through major insurance companies, some are simply that all your care is free via the on-campus health center. And UW is none of the above - you're on your own. But, I believe that is the least common scenario and only happened because of the ACA making insurance much more affordable and accessible. It also looks like most schools require you to have insurance - you can only opt out of their school plan with proof of you having equivalent or better coverage.

Honestly, I'm not totally sure yet on your last question. I think I need to look into it more, and possibly contact a few schools to ask specific questions. Basically, I need to have a few prescriptions, monitoring blood tests, occasional physical therapy, and a specialist visit a couple of times yearly. So, I think most of those things would be covered by SHIPs since they are pretty basic services. But I want to be super cautious, because it would be terrible to rely on the exchange and then part way into school lose that insurance. That might mean having to transfer or drop out. I need to have a plan B. But I think that the services I need are basic enough to be covered by most plans, so I just need to make sure that 1) the school has a SHIP and 2) it covers those few things, at a reasonable cost. I think I'd be too nervous to attend a school that doesn't offer any insurance though.

EDIT: ok sorry, re-read your last question and think I understand a bit better haha. No, I don't think so. I have inflammatory arthritis (autoimmune). On a bad day, I'm pretty averse to stairs haha. And colder climates are tough. But nothing that's impossible to work around. I'm hesitant to go to schools in more rural areas that wouldn't have as many specialists available; I've been spoiled in my current area that has thriving healthcare! So overall, it doesn't have too much effect on things.[/quote]

Adding to the discussion about medical issues. I get monthly (unless if my levels are off...and then it can be as frequent as every 3-4 days) blood tests, see a specialist (hematologist) every six months, and need access to at least a decent level ER for "uh oh" times. I had two concurrent blood clots about two years ago and have a clotting disorder, so I'm on blood thinners for life. I'd be hesitant to go to a more rural school, but only if there wasn't an ER within a reasonable distance. Otherwise, as long as there are the basics (ER and clinic) in the area, I'd be up for driving a bit for specialty (hematology in my case) visits.

lmb38
Posts: 7
Joined: Wed Mar 22, 2017 4:12 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby lmb38 » Tue May 30, 2017 7:49 pm

CMac86 wrote:Adding to the discussion about medical issues. I get monthly (unless if my levels are off...and then it can be as frequent as every 3-4 days) blood tests, see a specialist (hematologist) every six months, and need access to at least a decent level ER for "uh oh" times. I had two concurrent blood clots about two years ago and have a clotting disorder, so I'm on blood thinners for life. I'd be hesitant to go to a more rural school, but only if there wasn't an ER within a reasonable distance. Otherwise, as long as there are the basics (ER and clinic) in the area, I'd be up for driving a bit for specialty (hematology in my case) visits.


Yeah, that sounds similar to my needs. That's a good point that as long as there's a specialist (rheumatologist) I could drive to a couple times a year, it'd be workable. Sounds relatively similar to me, although I only need blood tests quarterly. And no real emergencies needing an ER typically, just a lot of routine maintenance.

I think what it comes down to is just an extra level of research and perhaps some schools will be off the table, but there's sure to be something that works for each of us!

CMac86
Posts: 154
Joined: Sun May 08, 2016 8:32 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby CMac86 » Tue May 30, 2017 9:29 pm

lmb38 wrote:
CMac86 wrote:Adding to the discussion about medical issues. I get monthly (unless if my levels are off...and then it can be as frequent as every 3-4 days) blood tests, see a specialist (hematologist) every six months, and need access to at least a decent level ER for "uh oh" times. I had two concurrent blood clots about two years ago and have a clotting disorder, so I'm on blood thinners for life. I'd be hesitant to go to a more rural school, but only if there wasn't an ER within a reasonable distance. Otherwise, as long as there are the basics (ER and clinic) in the area, I'd be up for driving a bit for specialty (hematology in my case) visits.


Yeah, that sounds similar to my needs. That's a good point that as long as there's a specialist (rheumatologist) I could drive to a couple times a year, it'd be workable. Sounds relatively similar to me, although I only need blood tests quarterly. And no real emergencies needing an ER typically, just a lot of routine maintenance.

I think what it comes down to is just an extra level of research and perhaps some schools will be off the table, but there's sure to be something that works for each of us!


I dig it. I need the ER access/coverage for "uh oh" times, in my case, it would be if part of my current clots were to break free (could cause heart attack, stroke, or a pulomonary embolism) or a bad cut.

On my end, the geographic area of where I want to live, go to school, and practice lead to no issues. I'm planning on moving back to Chicago.

consideringlaw24
Posts: 18
Joined: Tue May 16, 2017 1:57 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby consideringlaw24 » Mon Aug 14, 2017 5:02 pm

I'm back and haven't posted here for a while, but to recap I'm 33 and I was choosing between staying local for a well regarded regional school, or moving the family for a T14 that really interests me. I have a medical issue to contend with.

So since I posted, my medical issue has become much more of a problem, so I'm out for the 2018 cycle. I might have to get some inpatient treatment soon. I was PTing at 168, too.

I'm going part time at work and letting them pay for me to get a professional Masters (not a JD, obviously) - it just sort of dropped into my life recently, and sounded really interesting, so why not. It's free, it'll help with my current job, and I will be taking a lot of credits at the law school I've been considering. So at least I get to take law classes, even if it's not part of the JD I intended to do. I'm not sure whether a demanding job like law, which doesn't seem to look kindly on those who might need extensive medical leave, is going to be in my future now. Lots to think about.

I was trying to decide whether it felt like a JD at almost 40 was going to open more doors than it closes, and right now I'm on the fence. I guess I'll see how things shake out. Good luck to all you guys.

lmb38
Posts: 7
Joined: Wed Mar 22, 2017 4:12 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby lmb38 » Tue Sep 12, 2017 1:32 am

consideringlaw24 wrote:I'm back and haven't posted here for a while, but to recap I'm 33 and I was choosing between staying local for a well regarded regional school, or moving the family for a T14 that really interests me. I have a medical issue to contend with.

So since I posted, my medical issue has become much more of a problem, so I'm out for the 2018 cycle. I might have to get some inpatient treatment soon. I was PTing at 168, too.

I'm going part time at work and letting them pay for me to get a professional Masters (not a JD, obviously) - it just sort of dropped into my life recently, and sounded really interesting, so why not. It's free, it'll help with my current job, and I will be taking a lot of credits at the law school I've been considering. So at least I get to take law classes, even if it's not part of the JD I intended to do. I'm not sure whether a demanding job like law, which doesn't seem to look kindly on those who might need extensive medical leave, is going to be in my future now. Lots to think about.

I was trying to decide whether it felt like a JD at almost 40 was going to open more doors than it closes, and right now I'm on the fence. I guess I'll see how things shake out. Good luck to all you guys.


Haven't been around TLS much lately and just saw this. Oh man, I'm so sorry! That is downright crappy news. But at least if law school is off the table for now, that paid-for Masters sounds like a cool option!

Really bummed to hear you had a health set back, but wishing you all the best in the masters and taking care of yourself.

consideringlaw24
Posts: 18
Joined: Tue May 16, 2017 1:57 pm

Re: OLD SCHOOL (must be 30 and over ITT)

Postby consideringlaw24 » Fri Nov 24, 2017 5:34 pm

lmb38 wrote:
consideringlaw24 wrote:I'm back and haven't posted here for a while, but to recap I'm 33 and I was choosing between staying local for a well regarded regional school, or moving the family for a T14 that really interests me. I have a medical issue to contend with.

So since I posted, my medical issue has become much more of a problem, so I'm out for the 2018 cycle. I might have to get some inpatient treatment soon. I was PTing at 168, too.

I'm going part time at work and letting them pay for me to get a professional Masters (not a JD, obviously) - it just sort of dropped into my life recently, and sounded really interesting, so why not. It's free, it'll help with my current job, and I will be taking a lot of credits at the law school I've been considering. So at least I get to take law classes, even if it's not part of the JD I intended to do. I'm not sure whether a demanding job like law, which doesn't seem to look kindly on those who might need extensive medical leave, is going to be in my future now. Lots to think about.

I was trying to decide whether it felt like a JD at almost 40 was going to open more doors than it closes, and right now I'm on the fence. I guess I'll see how things shake out. Good luck to all you guys.


Haven't been around TLS much lately and just saw this. Oh man, I'm so sorry! That is downright crappy news. But at least if law school is off the table for now, that paid-for Masters sounds like a cool option!

Really bummed to hear you had a health set back, but wishing you all the best in the masters and taking care of yourself.


Thanks for the support! I quit my job to help myself recover and now I'm doing pretty well. Working freelance to keep money coming in.

After some time to mull it over I've decided my local law school is not going to be the right choice for me. I just took a semester of law classes there as part of my professional Masters program and I have nothing negative to say about the place, I just don't think it's going to fit with my long term goals (it's going to tie me to this state for practicing, essentially). So I've decided that, if I do go to law school, I'll apply for that T14.

If I go it won't be for another 2-3 years, so I'll be 36/37 when I start, and my family would come with me. In the mean time we'd need to save as much money as we can so that I can take a smaller loan, because I'm interested in government work, non-profit work, or small firms only. I doubt big law would want someone as "old" as me anyway.

So, we'll see how things look in around 2019. I might be all law schooled out by then! If any of you can find a way to take or at least audit a law class before you attend law school, I totally recommend it. I think I'll have a big advantage for time management in any JD program just in terms of knowing how to read cases and do outlines and prep for exams.




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