health insurance
Posted: 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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Uh, you want someone else to give you the same correct answer as the poster above?vtoodler wrote:bump.....................
probably wants to know about the second half of his questionRenzo wrote:Uh, you want someone else to give you the same correct answer as the poster above?vtoodler wrote:bump.....................
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.
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.Renzo wrote:Uh, you want someone else to give you the same correct answer as the poster above?vtoodler wrote:bump.....................
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 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?
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.Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
Yeah, well welcome to America, where if you don't have money you're fucked. That's kind of the normal - health emergency = bankruptcy.Renzo wrote: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.Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
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.
It's not the States, it's the schools, and yes. Most schools do AFAIK, but obviously not all.Esc wrote:Yeah, well welcome to America, where if you don't have money you're fucked. That's kind of the normal - health emergency = bankruptcy.Renzo wrote: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.Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
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.
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.
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 wrote:It's not the States, it's the schools, and yes. Most schools do AFAIK, but obviously not all.Esc wrote:Yeah, well welcome to America, where if you don't have money you're fucked. That's kind of the normal - health emergency = bankruptcy.Renzo wrote: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.Esc wrote:wtf? why would a school require you to have health insurance? UT certainly doesn't.
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.
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.
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 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.
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.Renzo wrote: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 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.
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 wrote: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.Renzo wrote: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 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.
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.Yimbeezy wrote: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 wrote: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.Renzo wrote: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 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.
Not true.im_blue wrote:Yes, all law schools require you to either purchase health insurance or prove that you already have it from elsewhere.
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.vtoodler wrote:So would you have to buy your own dental plans? And do you have any recommendations for dental insurance?
...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