It's a Dirty word - INSURANCE  |
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 This is a plea for advice from anyone who has a child in College or is in college themselves. My daughter is starting college in North Carolina in August. The college expects her to have medical insurance and has sent her details of cover that costs $283 a semester or $56 a month. This is comprehensive cover. Is this a good price or can she do much better elsewhere? Is there a company that can be recommended? What have your experiences of on campus medical life been like?
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1.  Humbug25 (4101) | 5 months ago |  Hey there p1kef1sh
I know I am going to be of no help cos I know nothing about insurances in the US but I just wanted to congratulate your daughter into getting into the college, she is going to have a fantastic time out there, not so good that she doesn't want to come home though. She will have a great experience there and I wish her all the best and much success. That is great news, you must be so proud of her.
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| p1kef1sh (5624) | 5 months ago | Thank you Humbug. Yes she's done well. But it's going to cost a fortune. $300 just for the visa! We are very proud of her. I just hope that she meets a nice male would be Lawyer, surgeon, etc etc! LOL. | |
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 BCMike (3311) | 5 months ago |  I agree with the lady Irish. They don't make nice lawyers. They are all without a conscience and could easily be insurance agents.
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| p1kef1sh (5624) | 5 months ago | Sorry. I meant nice Texas lad who loves his Momma and is also about to inherit a profitable cattle concern! | |
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 IDinySqueek (109) | 5 months ago |  Hee...mare like eeeeeeeeeek WOW you dae my fookin nut rite in...
AHHHHHHHHHHHH!
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2.  guybrush (3488) | 5 months ago |  That's horrendous, P1key - but I know medical expenses in America are very high. I hope one of our American friends can steer you in the direction of other companies who might have more reasonable premiums. We were lucky with our daughter - she did her degree at a military academy, so she was fully covered for all medical expenses as she was a member of the defence force.
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 Irishfrndly65 (7250) | 5 months ago |  Actually it's not a bad price at all, depending on what the coverage REALLY is. I've asked him about that.
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| p1kef1sh (5624) | 5 months ago | It does seem pricey - but I really have no idea Guy. Wonder if I can get her into the Army. Do you think she'll notice? | |
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| guybrush (3488) | 5 months ago | Nah, she wouldn't notice ... but the Air Force has nicer uniforms!
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| 3. OConnell87 (754) | 5 months ago |  i suppose its different in the UK when i went to uni we didn't have to do this, we just had to register with the gp on campus and if we needed anything it was free
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| p1kef1sh (5624) | 5 months ago | She's at uni here in the UK. She's doing a third year in the US and she (we) have to find some of thje costs, including the health insurance. | |
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| 4. Irishfrndly65 (7250) | 5 months ago | What do they mean by "comprehensive" P1key? What is the deductible? Will she have a copay? Is is Medical, Dental and Vision insurance? The price is very reasonable, DEPENDING on the questions I asked above. Let me know those, if you have the info. | |
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| dawnald (9179) | 5 months ago |  And is it a HMO or can she go to any doctor or hospital? Details, details...
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| dawnald (9179) | 5 months ago | Held my breath, turned blue, gave up and started breathing again... | |
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| p1kef1sh (5624) | 5 months ago | Breathe ladies. I have misplaced the cover note. I'll find it and tell you tomorrow. | |
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| 5. BCMike (3311) | 5 months ago | This post contains content of a mature nature. You must be Signed in or Registered to have the option to view this content. | |
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| Irishfrndly65 (7250) | 5 months ago | This is good info, P1key, being American I never thought of it. When I went to university they had a "campus Dr" and I never paid a cent to see him. I would also check into that, it may still be an option. They info you are getting, sad to say, they may be set up with the univerisity to give a discount to the faculty IF the college "promotes" the insurance coverage to students. | |
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| p1kef1sh (5624) | 5 months ago | Thanks Mike. I'll have a look at what can be done from here. I feel the same about insurance companies. Leeches the lot of them. | |
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| p1kef1sh (5624) | 5 months ago | When I was 18 hardly anyone went to university and those that did got grants not loans. My daughter will graduate with about £20,000 worth of debt. I have to ask the question: Why do so many young people go to university in the first place? My view is that it's all about showing off to Euro neighbours and not about improving the level of real education in the UK. We should invest more in manufacturing and start giving youngsters real jobs rather than raising their expectations only to dash them for many when they enter the world of work (if they can these days). | |
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| 7. bhanusb (1635) | 5 months ago |  Insurance is tricks of sucking money from the clients.You don't have to pay $56 a month for your daughter's treatment. In the USA foreigners have to pay big amount of
money to the doctors or hospitals if they fell sick. Because they have no health insurance.
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| p1kef1sh (5624) | 5 months ago | That's precisely why they want the $56 Bhanusb. | |
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| 8. catdla1 (2556) | 5 months ago |  I would check with your own family coverage plan. Most, where children are dropped at 18, extend it for children that are in college. When my son was in school, my family plan extended the coverage while he was in school, or until he was 23. $56 per month seems excessive, when most people in that age group really only need a major medical plan.
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| p1kef1sh (5624) | 5 months ago | I live in the UK where we don't pay for medical cover at the point of delivery. It's paid through our taxes instead. We do pay a set amount for dental and vision though. So she has to have coverage of her own. | |
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| 9. polachicago (7865) | 5 months ago |  $56 a month? it is nothing...I pay $400 a month for my insurance....
If she is on visa status, maybe is much better to have an insurance for her for UK..
I have visitors from Europe in my house and they always buy insurance travel fro Europe...it costs much less and covers much more in case is needed...
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| p1kef1sh (5624) | 5 months ago | That's a lot of money. Presumably that covers you for everything and with minimal deductibles? | |
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| polachicago (7865) | 5 months ago | not really ...:(
It is long list of treatments not covered, even exams...
Insurance in US and health care is the mess...cost the fortune, covers just a fraction of the cost... | |
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| 10. aksh12th (1) | 5 months ago | Every child need insurance for his future like mediclaim,or etc which very useful for his life.
Many comapnies provide insurance with good plan. take more information regarding insurance and be happy in whole life.
Thanks
Aki | |
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| p1kef1sh (5624) | 5 months ago | Thank you Aki. Very helpful. Welcome to myLot. | |
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