health insurance

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vtoodler
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health insurance

Postby vtoodler » Thu Jan 28, 2010 2:41 am

Do law schools require you to get health insurance, and can you be denied for a pre-existing condition, such as obesity?

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im_blue
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Re: health insurance

Postby im_blue » Thu Jan 28, 2010 3:25 am

Yes, all law schools require you to either purchase health insurance or prove that you already have it from elsewhere. This is group insurance that doesn't require physicals or checks for pre-existing conditions, but is still relatively cheap since students are generally young and healthy.

vtoodler
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Re: health insurance

Postby vtoodler » Fri Feb 12, 2010 3:16 pm

bump.....................

Renzo
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Re: health insurance

Postby Renzo » Fri Feb 12, 2010 9:53 pm

vtoodler wrote:bump.....................

Uh, you want someone else to give you the same correct answer as the poster above?

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twert
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Re: health insurance

Postby twert » Fri Feb 12, 2010 9:56 pm

Renzo wrote:
vtoodler wrote:bump.....................

Uh, you want someone else to give you the same correct answer as the poster above?

probably wants to know about the second half of his question

Renzo
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Re: health insurance

Postby Renzo » Fri Feb 12, 2010 9:57 pm

im_blue wrote:Yes, all law schools require you to either purchase health insurance or prove that you already have it from elsewhere. This is group insurance that doesn't require physicals or checks for pre-existing conditions, but is still relatively cheap since students are generally young and healthy.

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Doritos
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Re: health insurance

Postby Doritos » Sat Feb 13, 2010 2:21 am

renzo wins this one

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dextermorgan
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Re: health insurance

Postby dextermorgan » Sat Feb 13, 2010 2:24 am

Renzo wrote:
vtoodler wrote:bump.....................

Uh, you want someone else to give you the same correct answer as the poster above?

Yes, all law schools require you to either purchase health insurance or prove that you already have it from elsewhere. This is group insurance that doesn't require physicals or checks for pre-existing conditions, but is still relatively cheap since students are generally young and healthy.

vtoodler
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Re: health insurance

Postby vtoodler » Sat Feb 13, 2010 1:14 pm

Wow, I didn't know that every single law school required you to buy health insurance? I thought that only a few of them required it? Do you know how comprehensive the plans tend to be? And do they usually include dental coverage?

vtoodler
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Re: health insurance

Postby vtoodler » Sat Feb 13, 2010 1:15 pm

I'm just hoping that they are not limited plans that only cover a catastrophe.

Renzo
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Re: health insurance

Postby Renzo » Sat Feb 13, 2010 1:17 pm

vtoodler wrote:Wow, I didn't know that every single law school required you to buy health insurance? I thought that only a few of them required it? Do you know how comprehensive the plans tend to be? And do they usually include dental coverage?

It would be easier for you to look at a specific school you're curious about, but they tend to be fairly comprehensive and not to include dental work. The reason schools make you buy plans is because they realize most students don't have money for health care, so they tend not to be high-deductible or copay plans.

vtoodler
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Re: health insurance

Postby vtoodler » Sat Feb 13, 2010 5:36 pm

So would you have to buy your own dental plans? And do you have any recommendations for dental insurance?

Esc
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Re: health insurance

Postby Esc » Sat Feb 13, 2010 6:18 pm

wtf? why would a school require you to have health insurance? UT certainly doesn't.

Renzo
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Re: health insurance

Postby Renzo » Sat Feb 13, 2010 9:15 pm

Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
Come on, everyone knows that Texas is like another planet, where all citizens are required to carry firearms and insurance is for candy-asses without a spirit of adventure.

Schools in the non-crazy states realize that if a student became ill enough to go to the hospital, 99.5% of them would have no way to pay the bill on a borrowed student budget, and would thus be in real risk of a) dropping out, b) defaulting and causing themselves problems with C&F/gov't background checks c) stiffing the university-associated hospital or clinic.

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samiseaborn
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Re: health insurance

Postby samiseaborn » Sat Feb 13, 2010 9:25 pm

i've never been asked to prove my insurance, and our school plan is an awful 'in emergencies only' plan.

Esc
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Re: health insurance

Postby Esc » Sun Feb 14, 2010 2:31 am

Renzo wrote:
Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
Come on, everyone knows that Texas is like another planet, where all citizens are required to carry firearms and insurance is for candy-asses without a spirit of adventure.

Schools in the non-crazy states realize that if a student became ill enough to go to the hospital, 99.5% of them would have no way to pay the bill on a borrowed student budget, and would thus be in real risk of a) dropping out, b) defaulting and causing themselves problems with C&F/gov't background checks c) stiffing the university-associated hospital or clinic.


Yeah, well welcome to America, where if you don't have money you're fucked. That's kind of the normal - health emergency = bankruptcy.

Now, aside from Massachusetts and Hawaii, what states require health insurance? Are there states without generally-mandated insurance that require students to purchase it? That certainly seems draconian, and unfair.

Renzo
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Re: health insurance

Postby Renzo » Sun Feb 14, 2010 11:55 am

Esc wrote:
Renzo wrote:
Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
Come on, everyone knows that Texas is like another planet, where all citizens are required to carry firearms and insurance is for candy-asses without a spirit of adventure.

Schools in the non-crazy states realize that if a student became ill enough to go to the hospital, 99.5% of them would have no way to pay the bill on a borrowed student budget, and would thus be in real risk of a) dropping out, b) defaulting and causing themselves problems with C&F/gov't background checks c) stiffing the university-associated hospital or clinic.


Yeah, well welcome to America, where if you don't have money you're fucked. That's kind of the normal - health emergency = bankruptcy.

Now, aside from Massachusetts and Hawaii, what states require health insurance? Are there states without generally-mandated insurance that require students to purchase it? That certainly seems draconian, and unfair.

It's not the States, it's the schools, and yes. Most schools do AFAIK, but obviously not all.

Esc
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Re: health insurance

Postby Esc » Sun Feb 14, 2010 12:21 pm

Renzo wrote:
Esc wrote:
Renzo wrote:
Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
Come on, everyone knows that Texas is like another planet, where all citizens are required to carry firearms and insurance is for candy-asses without a spirit of adventure.

Schools in the non-crazy states realize that if a student became ill enough to go to the hospital, 99.5% of them would have no way to pay the bill on a borrowed student budget, and would thus be in real risk of a) dropping out, b) defaulting and causing themselves problems with C&F/gov't background checks c) stiffing the university-associated hospital or clinic.


Yeah, well welcome to America, where if you don't have money you're fucked. That's kind of the normal - health emergency = bankruptcy.

Now, aside from Massachusetts and Hawaii, what states require health insurance? Are there states without generally-mandated insurance that require students to purchase it? That certainly seems draconian, and unfair.

It's not the States, it's the schools, and yes. Most schools do AFAIK, but obviously not all.


Bizarre. Wouldn't a student mandate for health insurance be essentially unenforceable if not bundled in with tuition? If there wasn't an easy-to-qualify for hardship exemption, that would price a lot of students right out of college.

Renzo
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Re: health insurance

Postby Renzo » Sun Feb 14, 2010 12:39 pm

Esc wrote:Bizarre. Wouldn't a student mandate for health insurance be essentially unenforceable if not bundled in with tuition? If there wasn't an easy-to-qualify for hardship exemption, that would price a lot of students right out of college.

No, it's not any less enforceable than a requirement you prove you've had immunizations, or graduated from high school. The cost just gets added into the student budget (which schools should be doing regardless of mandate, even in Texas), and gets borrowed with everything else. Why would you give a hardship exemption to the population most likely to suffer the disaster that mandatory insurance is trying to avoid?

Esc
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Re: health insurance

Postby Esc » Sun Feb 14, 2010 12:49 pm

Renzo wrote:
Esc wrote:Bizarre. Wouldn't a student mandate for health insurance be essentially unenforceable if not bundled in with tuition? If there wasn't an easy-to-qualify for hardship exemption, that would price a lot of students right out of college.

No, it's not any less enforceable than a requirement you prove you've had immunizations, or graduated from high school. The cost just gets added into the student budget (which schools should be doing regardless of mandate, even in Texas), and gets borrowed with everything else. Why would you give a hardship exemption to the population most likely to suffer the disaster that mandatory insurance is trying to avoid?


Because you force them to take on debt to buy a product that is questionably useful, given that people who don't have money will almost universally buy junk insurance just to comply with the mandate. Its unconscionable.

Yimbeezy
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Re: health insurance

Postby Yimbeezy » Sun Feb 14, 2010 12:52 pm

Esc wrote:
Renzo wrote:
Esc wrote:Bizarre. Wouldn't a student mandate for health insurance be essentially unenforceable if not bundled in with tuition? If there wasn't an easy-to-qualify for hardship exemption, that would price a lot of students right out of college.

No, it's not any less enforceable than a requirement you prove you've had immunizations, or graduated from high school. The cost just gets added into the student budget (which schools should be doing regardless of mandate, even in Texas), and gets borrowed with everything else. Why would you give a hardship exemption to the population most likely to suffer the disaster that mandatory insurance is trying to avoid?


Because you force them to take on debt to buy a product that is questionably useful, given that people who don't have money will almost universally buy junk insurance just to comply with the mandate. Its unconscionable.

And mandating that they control their environment so that they don't get priced out by an injury isn't? Fwiw, I think many schools run their own plans so students won't be buying junk insurance.

Esc
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Re: health insurance

Postby Esc » Sun Feb 14, 2010 1:03 pm

Yimbeezy wrote:
Esc wrote:
Renzo wrote:
Esc wrote:Bizarre. Wouldn't a student mandate for health insurance be essentially unenforceable if not bundled in with tuition? If there wasn't an easy-to-qualify for hardship exemption, that would price a lot of students right out of college.

No, it's not any less enforceable than a requirement you prove you've had immunizations, or graduated from high school. The cost just gets added into the student budget (which schools should be doing regardless of mandate, even in Texas), and gets borrowed with everything else. Why would you give a hardship exemption to the population most likely to suffer the disaster that mandatory insurance is trying to avoid?


Because you force them to take on debt to buy a product that is questionably useful, given that people who don't have money will almost universally buy junk insurance just to comply with the mandate. Its unconscionable.

And mandating that they control their environment so that they don't get priced out by an injury isn't? Fwiw, I think many schools run their own plans so students won't be buying junk insurance.


I could accept it if the schools provided cheap insurance which would be guaranteed to provide excellent care. But a mandate that doesn't guarantee affordable, excellent health care is truly unconscionable. A health insurance mandate violates an individual's freedom of choice and self-determination, so if one is imposed, it better be a damn good deal, whether it is for public or private insurance. The view that individuals have a "responsibility" to purchase health insurance is just a cover for an insurance industry subsidy.

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sanpiero
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Re: health insurance

Postby sanpiero » Sun Feb 14, 2010 1:06 pm

im_blue wrote:Yes, all law schools require you to either purchase health insurance or prove that you already have it from elsewhere.


Not true.

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sanpiero
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Re: health insurance

Postby sanpiero » Sun Feb 14, 2010 1:09 pm

vtoodler wrote:So would you have to buy your own dental plans? And do you have any recommendations for dental insurance?


If you just want your teeth cleaned twice a year it might make more sense just to pay the $80-150/cleaning (depending on where you live, who you see) and forgo insurance. If you often have serious dental problems, get insurance. Your LS or the institution its affiliated with should have information on available dental plans.

Jerzeegirl
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Re: health insurance

Postby Jerzeegirl » Sun Feb 14, 2010 1:28 pm

Esc wrote:I could accept it if the schools provided cheap insurance which would be guaranteed to provide excellent care. But a mandate that doesn't guarantee affordable, excellent health care is truly unconscionable. A health insurance mandate violates an individual's freedom of choice and self-determination, so if one is imposed, it better be a damn good deal, whether it is for public or private insurance. The view that individuals have a "responsibility" to purchase health insurance is just a cover for an insurance industry subsidy.
Posted: Sun Feb 14, 2010 1:03 pm


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Last edited by Jerzeegirl on Thu Jul 01, 2010 3:35 pm, edited 1 time in total.




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