fl0w wrote: najumobi wrote:
Harry Ballsogna wrote:Am I the only one that finds WUSTL's mandatory health insurance ridiculous? I can understand a requirement to show proof of coverage, but to actually force students into their own plan is crazy. (How is this even legal?) The only legitimate reason I can think of is cost saving to WUSTL. They save a TON by funneling everyone through their student health center.
you're probably right that it saves them money...in which case what they're doing makes sense.....people probably don't care too much since it costs $500 and while tuition is over 40k. i'm thinking many will just be covered under 2 health insurance plans, their parent's and the schools. i, myself, don't plan on asking my mom to drop me from her insurance.
i think it's awesome that they have a plan. people like me can't be on their parents' plan and my coverage is done at the end of this month. And it's so so so so much cheaper than COBRA. you guys might not have an idea of how lucky you are.
I'm aware of the cost of COBRA - I deal with continuation of coverage on a daily basis. I think it would be great if WUSTL actually "offered" coverage, as opposed to forcing enrollment.
WUSTL's health insurance is cheap ($775 for basic medical/dental/prescription) because its plan design is very weak. If you actually use medical services, you might be paying a lot more thank you think. Anyways, I think it's a good idea to check out the Summary Plan Description before you go to the Doctor so you aren't hit with fees you didn't expect. You will find things like this:
Visit Expenses: Covered Medical Expenses are payable as follows after the Annual Deductible has been
Preferred Care: After a $20 per visit copay, 100% of the Negotiated Charge."http://www.aetnastudenthealth.com/schoo ... re1011.pdf
This means you have to pay the full deductable before the $20 copay kicks in for a normal office visit. This is basically unheard of for a regular office visit lol. This is not normal. Its also not normal to force a group into a certain sponsored health plan, and then require the use of 2-3 primary care physicians (the student health center). There's lots more but I'll stop there. Anyone feel free to PM with any questions on this stuff.