Can I drop an unnecessary health insurance policy?

Question

A univeristy in Virginia imposed an unnecessary health insurance on me. It does not allow me to drop it. Is such practice against law? What I can do?

Answer 1

At the opening question my answer was going to be "can a finch fly? Yes"--but you've just described a different situation. Employee benefit programs commonly expect to insure the whole employee pool. Commonly, if you want out because you have your own insurance you have these options: (1) take the minimum coverage required and suffer the lumps (but you may find it handy in settling deductibles with your other policy, depending on how certain things are phrased in the policies), (2) refuse, which invalidates the contract with the benefit provider so that everyone's coverage is withdrawn, or (3) most likely, go somewhere else to work, which is what will probably be insisted upon by your employer by your refusal to participate. Its either you or them and they probably don't have good options.

Some programs allow exclusion for other insurance, most don't. With good insurance programs so hard to find your complaint is going to be threatening to a lot of good people who have far, far fewer real choices. I'll bet there are some people working there who are only there because they need the insurance benefit and are uninsurable otherwise because of health problems. Settle for the deduction and endure for their sake or move on.

Answer 2

Well, I don't think you're portraying the situation accurately.

You must have some type of BUSINESS relationship with the university - either you're a student there, or a contractor there. Otherwise, they would have nothing to say about it.

If attending school there requires you to carry a health policy, and you drop it, they don't have to give you credits and don't have to teach you - ie, they can kick you out for not complying. In other words, if you don't fulfill YOUR part of the bargain, ie, carrying the health insurance, they don't have to fulfill theirs - which would be educating you, giving you credits, or paying you for your work.

Answer 3

Wait... Some universities have a mandatory health plan - regardless of whether or not you have your own insurance. It's something they all do - more or less to cover you if you use the student health facilities. You can't drop it, nor is it against the law for them to add you to it. The only thing you might be able to do to avoid it is to be a part-time commuter student - I don't think the commuters or part-timers get this plan.

Answer 4

Normally you have to stay enrolled with an insurance policy for at least a year. The only time you are able to change something is if something significant changes, like a new baby.

Answer 5

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Answer 6

You aree to go to school there and that is their policy. it is an opt out policy (and likely you can only opt out if you show proof of other insurance).

There is a policy reason behind this. Most college students if not dont for them would not enroll, and yet it is an imporetant thing to have should a medical problem arise.

Answer 7

depends on the policy

Answer 8

How could they possible enroll you in a health insurance policy without your signature? Contact the insurance carrier directly and tell them you did not sign up for this coverage and your not interested in keeping it. Legally they can not MAKE you carry their coverage!