taking a year off--health insurance?

(Applications Advice, Letters of Recommendation . . . )
Richard Rorty

New
Posts: 66
Joined: Sat Sep 12, 2009 2:01 am

taking a year off--health insurance?

Postby Richard Rorty » Tue Jul 06, 2010 10:42 pm

I've never seen this come up in any of the gap year threads. If I'm taking a year off, my coverage under my parent's plan is going to lapse. If I'm not holding down a full-time position, what can I do to get health insurance?

User avatar
let/them/eat/cake

Silver
Posts: 595
Joined: Thu Feb 12, 2009 7:20 pm

Re: taking a year off--health insurance?

Postby let/them/eat/cake » Tue Jul 06, 2010 10:44 pm

didn't Obama take care of this?

User avatar
PKSebben

Silver
Posts: 830
Joined: Mon Jun 07, 2010 9:35 pm

Re: taking a year off--health insurance?

Postby PKSebben » Tue Jul 06, 2010 10:44 pm

.

Richard Rorty

New
Posts: 66
Joined: Sat Sep 12, 2009 2:01 am

Re: taking a year off--health insurance?

Postby Richard Rorty » Tue Jul 06, 2010 10:46 pm

let/them/eat/cake wrote:didn't Obama take care of this?


Did he? I hope so.

User avatar
kalvano

Diamond
Posts: 11952
Joined: Mon Sep 07, 2009 2:24 am

Re: taking a year off--health insurance?

Postby kalvano » Tue Jul 06, 2010 10:54 pm

Blue Cross / Blue Shield is probably your best bet aside from employer-provided insurance.

ScaredWorkedBored

Bronze
Posts: 409
Joined: Sat Jul 11, 2009 12:39 pm

Re: taking a year off--health insurance?

Postby ScaredWorkedBored » Tue Jul 06, 2010 10:55 pm

http://www.nytimes.com/2010/05/11/healt ... ealth.html

If you're normal college student age, you should still be well on your parents insurance with just a year off.

User avatar
MF248

Bronze
Posts: 229
Joined: Tue Sep 29, 2009 12:25 am

Re: taking a year off--health insurance?

Postby MF248 » Tue Jul 06, 2010 10:55 pm

Which state do you live in?

User avatar
Stanford4Me

Platinum
Posts: 6240
Joined: Thu Jan 10, 2008 1:23 am

Re: taking a year off--health insurance?

Postby Stanford4Me » Tue Jul 06, 2010 10:57 pm

let/them/eat/cake wrote:didn't Obama take care of this?

My mom told me this doesn't take effect until January (she may be wrong though). I got kicked off her dental and vision even though I'm going to LS in the fall, she said she can't add me on until January.

User avatar
mfeller2

Bronze
Posts: 167
Joined: Wed Jul 01, 2009 2:34 pm

Re: taking a year off--health insurance?

Postby mfeller2 » Tue Jul 06, 2010 11:01 pm

Screw insurance, too expensive! Just be really careful. 1) No hookers. 2) Don't run red lights. 3) No smoking and/or hardcore drinking. Don't let 'them' win!

User avatar
jennylynn

Bronze
Posts: 271
Joined: Fri Oct 17, 2008 10:38 pm

Re: taking a year off--health insurance?

Postby jennylynn » Tue Jul 06, 2010 11:09 pm

I'm on BC/BS's Tonik program. It's not fantastic, but it's not bad considering that it's $100/month (for me) and includes dental and vision. Most other plans I looked at were that expensive and had no dental or vision coverage.

shock259

Gold
Posts: 1851
Joined: Tue Jan 19, 2010 2:30 am

Re: taking a year off--health insurance?

Postby shock259 » Tue Jul 06, 2010 11:25 pm

I'm pretty sure the new age on insurance doesn't take effect until next year.

Richard Rorty

New
Posts: 66
Joined: Sat Sep 12, 2009 2:01 am

Re: taking a year off--health insurance?

Postby Richard Rorty » Tue Jul 06, 2010 11:27 pm

ScaredWorkedBored wrote:http://www.nytimes.com/2010/05/11/health/policy/11health.html

If you're normal college student age, you should still be well on your parents insurance with just a year off.


Awesome. For some reason my insurance got terminated so I need to figure out why.

MF248 wrote:Which state do you live in?


California.

User avatar
Ty Webb

Silver
Posts: 517
Joined: Mon Nov 23, 2009 10:47 pm

Re: taking a year off--health insurance?

Postby Ty Webb » Tue Jul 06, 2010 11:58 pm

Every day that you pay for health insurance and don't use it is a gamble you've lost!

User avatar
Thomas Jefferson

Bronze
Posts: 385
Joined: Sun Feb 21, 2010 6:32 pm

Re: taking a year off--health insurance?

Postby Thomas Jefferson » Wed Jul 07, 2010 12:12 am

Richard Rorty wrote:
MF248 wrote:Which state do you live in?


California.


And the government hasn't provided for your every comfort?

User avatar
eandy

Gold
Posts: 2724
Joined: Wed Dec 23, 2009 7:07 pm

Re: taking a year off--health insurance?

Postby eandy » Wed Jul 07, 2010 12:16 am

shock259 wrote:I'm pretty sure the new age on insurance doesn't take effect until next year.

+1 . I don't think it works until 2011.

User avatar
legalease9

Silver
Posts: 621
Joined: Tue Mar 23, 2010 8:41 pm

Re: taking a year off--health insurance?

Postby legalease9 » Wed Jul 07, 2010 12:22 am

The law "technically" takes effect 9-23-10. However, because most insurance plans don't re-up until January 2011, coverage doesn't start for most plans until 1-1-11.

shoop

Bronze
Posts: 326
Joined: Mon Feb 15, 2010 1:52 pm

Re: taking a year off--health insurance?

Postby shoop » Wed Jul 07, 2010 2:07 pm

Richard Rorty wrote:I've never seen this come up in any of the gap year threads. If I'm taking a year off, my coverage under my parent's plan is going to lapse. If I'm not holding down a full-time position, what can I do to get health insurance?


Buy it yourself. I'm employed by a firm that offers health insurance to all employees, but they cheaped the fuck out and slashed benefits while jacking premiums. I jumped ship to a BCBS individual plan and, while I pay slightly higher premiums, my deductible and OoP are WAY lower, so my "total healthcare cost before everything's free" (12xpremium + deductible + OoP) for each year dropped from $6,000 to $4,500.



Return to “Law School Admissions Forum�

Who is online

Users browsing this forum: Google [Bot] and 8 guests