Health Insurance

Discuss various money matters here. Loans (federal and private), scholarships, lottery winnings, or other school finance related information and queries.
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Nickg415
Posts: 290
Joined: Mon May 14, 2012 4:31 pm

Health Insurance

Postby Nickg415 » Tue Mar 12, 2013 11:59 pm

Looking at UPenn's financial estimations I should be spending over 3600 on health insurance. I'm single and without kids. I know at my UG its only 1,600. Is their estimate simply inflated or is the school provided health insurance just a rip off. If so what alternatives have others found?

qwertyboard
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Joined: Wed Feb 06, 2013 1:03 am

Re: Health Insurance

Postby qwertyboard » Wed Mar 13, 2013 12:26 am

Mine would also be over $2400+ and the deductibles are hugeee..

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rinkrat19
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Joined: Sat Sep 25, 2010 5:35 am

Re: Health Insurance

Postby rinkrat19 » Wed Mar 13, 2013 1:18 am

Somewhere in between, probably. $3600 seems high but $1600 is incredibly cheap.

Figure out what the plan covers, deductibles and copays and such, and then see what you'd pay for similar coverage on your own.

NU's is around $3200. Seems to be decent coverage, though, as I've gone to the doctor twice this week and spend $0 on the appointments and labwork and $18 on 3 prescriptions.

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Nickg415
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Joined: Mon May 14, 2012 4:31 pm

Re: Health Insurance

Postby Nickg415 » Wed Mar 13, 2013 10:13 am

So it sounds like the price isn't that far off from other schools. Still it seems as though there should be a "bare minimum" insurance plan that I can get outside of the school.

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rinkrat19
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Joined: Sat Sep 25, 2010 5:35 am

Re: Health Insurance

Postby rinkrat19 » Wed Mar 13, 2013 10:15 am

Nickg415 wrote:So it sounds like the price isn't that far off from other schools. Still it seems as though there should be a "bare minimum" insurance plan that I can get outside of the school.

The school probably has a minimum coverage that you are required to get (i.e. not just catastrophic coverage, but X deductible and Y percentage and Z out of pocket max) but you can probably shop for your own.




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