I am on my fathers insurance and next year I will lose it. I can't afford health insurance as I am a full time student. Is there anything I can do besides dropping out of school?
2006-06-19 19:06:46 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
Stay Healthy, Stay in school so you have a chance at being able to afford it . And don't worry about it. there are many good suggestions here
2006-06-25 21:12:00 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Can you get health insurance through your school? That would probably be the best option. Also, are you sure that you won’t be able to stay on your dad’s insurance next year? Many states are pushing back the age limit on dependents staying on their parent’s health plans. I know in New Jersey it’s 23 now. You might want to check with your state Insurance Department (link below).
I’ve also included three more sites that might be useful in shopping for insurance. Two are government-authored shopping guides (they’re simple but a good introduction) and the other is a Georgetown Health Policy Web site that has health insurance consumer guides by state.
Insurance can be seen as a gamble, that’s for sure. I’ve only had two non-routine medical visits in over 10 years, so I’ve definitely lost money on health insurance - although it has provided peace of mind. My sister, on the other hand, ran into some health problems in her early 20’s, so health insurance has been really good for her from a financial perspective.
Some new plans from Blue Cross Blue Shield and UniCare are targeted toward twentysomethings. For around $70-$110 a month, you get dental, vision, preventive, and emergency coverage.
If you can’t get insurance through your school or your parents, I’d talk with local insurance agents. You can do it at MostChoice.com. There’s no cost or obligation, and you can get free quotes and policy information through the site. You fill out a short form and within 48 hours state-licensed insurance agents will contact you. Just tell them what kind of coverage you want and how much you can spend and let them do the rest. Since you’re not obligated to buy anything from anyone, it’s a really simple way to comparison-shop for health insurance.
You can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm
Hope this helps,
Barnes @ MostChoice
2006-06-20 08:37:34 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Actually "Insurance" is a scam industry.
Take $200 a month and put it into a long term investment, such as a CD.
If you get injured or sick, get treated, THEN talk to the payment officer at the hospital or clinic about a payment plan. ANY hospital will let you pay $200 a month on your bill. Just make sure you pay the bill.
You will SAVE money in the long run, and may even be able to negotiate a discount since you have NO insurance.
ALSO:
BE HEALTHY. Do not smoke cigarettes, or eat excess amounts of corn syrup sweetener based foods. These are the major cause of obesity and diabetes.
2006-06-20 01:28:23 · answer #3 · answered by Bob 3 · 0⤊ 0⤋
The link below is "America's Health Insurance Plans" web site, which has links to the most healthcare insurance companies. The following is a healthcare insurance quote page, where you just fill out your zip code (the next page will take you to a page where you fill out your gender, age, and check the fulltime student box): https://www.ehealthinsurance.com/ehi/Alliance?allid=Aet24730. I think we are about the same age, and the healthcare insurance quote page gave me the cheapest at $81 a month. Good luck. Usually, if you're on your dad's coverage (i.e. if he has a City, County, State or Federal job), it may last until the last day of the month you turn 24. They have made exceptions to fulltime students.
2006-06-19 21:38:43 · answer #4 · answered by Anonymous · 0⤊ 0⤋
don't surrender your policy... depending on the type of insurance you purchase, it does have cash value to pull you through for the time being. For health insurance, your dad can still continue paying using CPF. No cash required...
If you need more info. or assistant, I am glad to assist you. You could reach me at this email, insurebizz@yahoo.com.sg. By the way, I am a Financial Consultant and qualified to advise on insurance and investment product.
2006-06-19 19:16:31 · answer #5 · answered by insurebizz 2 · 0⤊ 0⤋
Stay as healthy as you can. There are a lot of people without insurance. If you qualify you might be able to get medicaid. Apply at a doctors office.
2006-06-19 19:11:42 · answer #6 · answered by nicole 3 · 0⤊ 0⤋
Use condoms everytime.
Get every vaccine you can afford.
Exercise every day.
Eat well.
Buy a lot of antioxidants.
Don´t drink alcohol.
Don´t use drugs.
Don´t smoke.
Don´t get in a car if the driver is drunk.
Get a summer job and use your entire paycheck to open a HSA.
2006-06-20 07:38:25 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Uh..live like the rest of us..and don't have it and/or worry about it.
Yeah can be unfair..but oh well, that is the world we sadly live in.
DO NOT drop out of school..you may regret it.
2006-06-19 19:11:13 · answer #8 · answered by Anonymous · 0⤊ 0⤋
There may be a low-cost alternative through your school.
2006-06-19 19:10:35 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Don't get hit by a bus, that's for sure
2006-06-19 19:09:05 · answer #10 · answered by Devo 4 · 0⤊ 0⤋