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It's a Dirty word - INSURANCE email this discussion to a friend?

myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student6 months ago

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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tags:  insurance, college, success, help, legalized extortion
 
11. myLot reputation of 80/100. deewinc (3085)   ranked 1,136 out of 6,544 in student   6 months ago

The funny thing is that trouble knocks on your doors when you dont have the relevant cushions..we have all at once been stopped by police when you dont have a liscense..please just insuare her& dont ignore it for at one time it will help you big time..


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

Thank you.

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12. myLot reputation of 94/100. gabs8513 (19771)   ranked 677 out of 6,544 in student   6 months ago

P1ke I don't know if that is or not but why don't you look at compare.com or moneymarket.com and see what they offer you never know it might be cheaper there xxx


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

Unfortunately they deal only with the UK market Gabs. I need something that provides greater insurance cover than travel insurance. Thanks for the idea though.


myLot reputation of 94/100. gabs8513 (19771)   ranked 677 out of 6,544 in student  6 months ago

They are UK markets P1ke you can get all sorts of Insurances on there from all Companies in the UK

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13. myLot reputation of 71/100. cynicalandoutspoken (2314)   ranked 3,388 out of 6,544 in student   6 months ago

https://www.ehealthinsurance.com/

Go there. They give you free quotes with no obligation to buy. Compare what the college of offering with what you can get through local NC companies and see how the college measures up.

I'm not a fan of comprehensive coverage because it is so limited. I work for a health insurance company and comprehensive is like the least coverage last resort but great if there is an accident coverage.

I don't see why your daughter couldn't get set up on a nice HMO for about the same cost.

And just as an FYI....NC is only a 6 hour drive for me. My daddy lives there.


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

Thanks for that Cyn. They couldn't get as low as the one that the University has offered. I don't understand some things though. Let's say that you have a $10,000 claim. You have a $500 deductible. They will pay 80%. So that means that you still have to find $1,500. How do you plug that gap?


myLot reputation of 71/100. cynicalandoutspoken (2314)   ranked 3,388 out of 6,544 in student  6 months ago

Well first, they don't pay the 80% until you reach your $500 deductible. So if you have a $10000 claim they are only paying 80% of $9500. The first $500 and then the rest comes out of your pocket.
That is why I suggested a nice HMO. They are usually a few dollars more expensive but they cover 100% and there is usually only a co pay of $10-$30 per service.

American insurance is plenty confusing but if you need help on this I am available. And I haven't heard your voice in so long I'm going through withdraw.


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

LOL. I'll talk insurance or anything else to you anytime.

I don't understand it though. Why would I pay insurance premiums when the insurance doesn't meet my costs. Deductibles I understand. Here, you pay the first $500, after that the insurance company meets the costs. That's why they screw you for so much money. It's not health cover, but partial cover.

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14. nanas99 (29)   6 months ago

I am surprised that the college expects her to have medical coverage. I don't think they can actually require it. Are you sure they are not just giving you an option?

I graduated from a California University in 2004. They never once mentioned medical insurance. Their only requirements was that I prove I have had my MMR vaccinations.

In fact my college provided a health facility that was free to go to. The cost was already included in my tution.

As far as the cost of the medical insurance they are offering it is not bad. Most medical insurance should be around the same amount.

There may also be another option if you have your own medical insurance. Your child can remain on your medical as a dependent as long as she is under the age of 25 and a full time student. I remained on my parents insurance until I graduated from college.


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

It may be because she is an international student. She has no recourse to medical care without insurance. Thanks for that information though.

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15. myLot reputation of 65/100. nitu1952 (164)   6 months ago

I think insurance is not a dirty word because ther exist so many diseases whether we do nt make a gurrante that for how much time one lives. there are various types of insurance such as health insurance, medical insurance, insurance of household appliances which makes us feel relax.


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

Thank you.

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16. myLot reputation of 95/100. tamarafireheart (12625)   ranked 812 out of 6,544 in student   6 months ago

Hi p1key,



Wow!! your daughter is going to America? that is brilliant, all the congrts to her, $56 works out around £30 something a month, that is not bad maybe somewhere else would be cheaper, but I've no idea, good luck, hugs.


Tamara
xxxx


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

She's going for 10 months Tamara. It's costing a fortune! XXXX

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17. EAWilliams (15)   6 months ago

I would recommend looking at the details...like how much will a routine well-woman visit or a problem visit cost your daughter (copay and coinsurance as well as deductible information is something you'll want to know because these terms mean you will be paying more money in addition to the monthly rate.) If you, (her parents) have insurance check with them because she is in college most insurance companies will cover her if she provide proof that she's in college. (Like her school schedule)Hopes this helps:o)


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

Thanks for that. We're in the UK and we don't pay for health cover here at the point of delivery. So this is all very new to us. Welcome to myLot too.

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18. myLot reputation of 86/100. greeneyedlady (552)   ranked 4,283 out of 6,544 in student   6 months ago

I can honestly say that I do not know very much about medical insurance for college students P1key but I do know about medical insurance in general in The States and I would venture to say that this does sound like a very reasonable if not cheap deal for an entire semester. I wouldn't think you could get it much cheaper but of course it depends on the deductible, what is covered etc. The good part about it is that it is coming from a school, (they are not furnishing the coverage but they went out and made a deal with the company that is furnishing the coverage), and they are not really there to rip students off for an insurance policy but they are more trying to help the students out in helping them get medical insurance just in case something unforeseen should happen. ninja


myLot reputation of 97/100. p1kef1sh (5725)   ranked 21 out of 6,544 in student  6 months ago

The deal does seem to be getting better value GEL. I am quietly reassured that she isn't going to be ripped off.


myLot reputation of 86/100. greeneyedlady (552)   ranked 4,283 out of 6,544 in student  6 months ago

That's good P1key, if you feel that way in your heart then you are probably right, most peoples instincts are usually better than what they give them credit for!

Good luck to her, I hope she enjoys her semester abroad! ninja

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19. myLot reputation of 98/100. lingli_78 (10204)   ranked 1,076 out of 6,544 in student   6 months ago

hi p1kef1sh... i'm not living in US so i don't really know about the insurance policy and price in the US... i can't help you much unfortunately on this matter... but all i can say is the price of health insurance everywhere is very expensive... even here... i and my hubby pay heaps for my insurance and hospital cover... congratulations anyway to your daughter for going to college... take care and have a nice day...

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20. myLot reputation of 73/100. bdugas (2475)   ranked 2,646 out of 6,544 in student   6 months ago

Is this considered manitary at the school, my daughter is in nursing college and she isn't required to have medical insurance or at least she never said anything to me about it. Maybe something they just started, will be interested to see what others say.

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