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Old 10-08-2009, 09:12 PM   #1
 
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I need to get insurance for all my nursing and EMT classes coming up. Probelm is...I dont have any I have been in the military for 6 years and on my folks insurance before that. What the heck do I look for? I know Im going to be paying about 100 - 200 bucks a month for decent insurance. I dont want to say that money isnt an option because Id rather pay LESS than more but...Im still at a loss. I want to cover my well-womens visits and any possibly maternity issues as well as the regular checks ups but I do have the VA as well for my injured back.

Is there anything specific that I should look for as a dealbreaker? Are deductibles as important as co-pays? What is 'coinsurance'?

All of a sudden I feel so overwhelmed because of all the options...HELP
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Old 10-08-2009, 09:54 PM   #2
 
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I don't think you can get insurance for $100-$200 per month, except maybe a catostrophic policy, which usually has an extremely high deductible and will only cover the most dire medical care.

Coinsurance is being covered by more than one policy. The 2 insurance companies will coordinate who pays what.
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Old 10-08-2009, 10:23 PM   #3
 
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I think you're looking at triple that range at least. Getting health insurance is pretty pricey, which is why we need to overhaul insurance and healthcare somehow.
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Old 10-08-2009, 10:26 PM   #4
 
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Why do you have to get ins for nursing classes?? Is that mandatory? That's odd.

Does your school offer it?
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Old 10-09-2009, 12:27 AM   #5
 
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Do some searching around-finding something isn't impossible. Right now I'm paying somewhere closer to 200 to be covered by Golden Rule. But it's more than catastrophic insurance. I only have to deal with a copay for regular doctor visits and do have some prescription coverage. No, it's not exactly the best coverage out there, but it's more than a catastrophic policy.
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Old 10-09-2009, 12:48 AM   #6
 
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Check out what insurance is available through your college. They probably have something.
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Old 10-09-2009, 04:52 AM   #7
 
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Quote:
Originally Posted by Starrwithoutnite View Post
I need to get insurance for all my nursing and EMT classes coming up. Probelm is...I dont have any I have been in the military for 6 years and on my folks insurance before that. What the heck do I look for? I know Im going to be paying about 100 - 200 bucks a month for decent insurance. I dont want to say that money isnt an option because Id rather pay LESS than more but...Im still at a loss. I want to cover my well-womens visits and any possibly maternity issues as well as the regular checks ups but I do have the VA as well for my injured back.

Is there anything specific that I should look for as a dealbreaker? Are deductibles as important as co-pays? What is 'coinsurance'?

All of a sudden I feel so overwhelmed because of all the options...HELP
I would check with the director of the program you want to get in to. I'm pretty sure they will offer you some kind of insurance.. I know my school did for me, but I have some through work so I didn't look into it. But, now that I think about it, they didn't ask for proof of insurance to get in.. Are you sure it's required, or strongely recommended?
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Old 10-09-2009, 02:24 PM   #8
 
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The best thing to do would be find an independent agent who represents several companies. I know two people here who represent 25 different insurers and can really shop for a plan that fits your needs. If you use a CPA to do your taxes, we usually network with an insurance broker or two and could recommend someone. If you can't find anyone, let me know where you live - City, State and maybe my agent has an agent network that she can tap into. Open enrollment into many plans is due before a certain time before the end of the year so you should start looking soon.
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Old 10-09-2009, 02:49 PM   #9
 
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Quote:
Originally Posted by mrspoppers View Post
Check out what insurance is available through your college. They probably have something.
This is what I was going to suggest also
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Old 10-09-2009, 07:18 PM   #10
 
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My school does offer it but I have heard that its cheaper to get it on the outside. I have searched online and have found multiple 100-200 a month plans, no they arent amazing but all Im looking for really is the insurance card to show the nursing advisor (along with shot records and cpr card) so she will allow me to register for the course.
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Old 10-09-2009, 07:20 PM   #11
 
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Sorry, I was hoping to find insurance that I can actually USE too for the womans visits and all that but I guess I dont need it yet, I have the VA for a minimal co-pay I guess. I just feel lost because everyone has a "YOU DONT HAVE INSURANCE??" mentality. I hear it all the time. So Ill lower my standards to get into the program and wait for a good job to get their insurance...LOL, like THAT will be easy as pie
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Old 10-09-2009, 07:41 PM   #12
 
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May I ask, BSN or ADN?
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Old 10-09-2009, 08:21 PM   #13
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My insurance is around $130, but it's an HSA so I don't get many benefits from it until I hit my deductible. I mostly have it in case I have an emergency. Work doesn't pay for it, I buy my own. I was on a better plan that covered office visits and medications, but the rates kept going up. Women in their 20's and 30's have a hard time getting affordable rates because childbearing drives up the costs. Maternity... yeah.... I'm staying on birth control until SO or I win the lottery. That's our plan on that. I have a hard enough time getting my insurance to pay what it is SUPPOSED to (written down in black and white) pay for let alone anything else. If my insurance, and I'll stretch this to add most 100-200 policy you'd get, covers anything maternity wise they'll get around paying for it or raise rates through the roof. If I got pregnant I'd have an easier time quitting my job so I can hit poverty line and go on welfare. I don't know how couples do it these days when raising kids. If anyone knows please let me know becasue we'd love to have kids, but we'd also like to afford to eat.

You say your options are overwhelming? Have you started shopping for it yet? I'm sure you'll find your options quickly shrinking once you do. Don't want to be a downerbut the insurance industry sucks especially if you're an unfortunate one that has to buy private insurance.

Wanted to add, if you're unemployed and going back to school, why are you thinking about maternity coverage now? Not trying to judge, just wondering....

Last edited by TSpangla; 10-09-2009 at 08:27 PM.
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Old 10-10-2009, 10:17 AM   #14
 
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Quote:
Originally Posted by RedCatWaves View Post
Coinsurance is being covered by more than one policy. The 2 insurance companies will coordinate who pays what.
This isn't accurate. If an insurance policy has, for example, 90% coinsurance, it means that the insurance company will pay 90% and you are responsible for the other 10% of any given bill. This is of course after your deductible is met, if you have one. My family's policy has 90% coinsurance but SOME things are covered at 100% and/or not subject to our deductible, like my son's well-child-visits.

ETA: About deductibles and copays... If you have a deductible (say $200, for example) your insurance company will not pay for anything until YOU'VE paid the first $200 that year. Except situations as I said above, where some things are not subject to the deductible. A copay is what you pay when you go to the doctor - for example, if you have a $20 primary-care copay you'd pay $20 and then the rest would be billed to insurance, which would be paid according to your deductible and coinsurance.
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Last edited by PixieCurl; 10-10-2009 at 10:19 AM.
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