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Manager
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Health and life insurance at schools [#permalink]
 02 Dec 2007, 12:14
This may not be a very important factor for all, but for some, this may be the biggest factor in deciding on school and also the full time or PT decision. I would really appreciate some detailed info on following:
1) Do schools offer group life insurance? To clarify, group life insurance are the ones that one can get without a medical exam, most of the time. If yes, what is the limit on insurance one can get?
2) Do schools offer group health insurance? To clarify, group health insurance are the ones that one can definitely get, even with major pre-existing condition (uninsurable for individual plans), and without paying extra premiun for the pre-existing condition.
Thanks in advance.
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Re: Health and life insurance at schools [#permalink]
02 Dec 2007, 13:49
hbs.aspirant wrote: This may not be a very important factor for all, but for some, this may be the biggest factor in deciding on school and also the full time or PT decision. I would really appreciate some detailed info on following:
1) Do schools offer group life insurance? To clarify, group life insurance are the ones that one can get without a medical exam, most of the time. If yes, what is the limit on insurance one can get?
2) Do schools offer group health insurance? To clarify, group health insurance are the ones that one can definitely get, even with major pre-existing condition (uninsurable for individual plans), and without paying extra premiun for the pre-existing condition.
Thanks in advance.
The schools that I know of automatically allow students to participate in their health/life insurance programs after submitting proof of a TB test. That may be different for international students, however.
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Manager
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Quote: The schools that I know of automatically allow students to participate in their health/life insurance programs after submitting proof of a TB test. That may be different for international students, however.
I agree that most schools have some sort of student health insurance that can also be applied for spouses/children. Obviously, if you go to a school that has its own hospital and medical school, the quality will be a bit better. As a matter of fact, I'm going through an ordeal right now trying to get OSU to take their student health insurance off of my fee statement! It is mandatory there for every student to have health insurance and they automatically sign you up for the student health insurance unless you can prove that you have other insurance (which I do).
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Yeah, UVA is like that. Every student must have health insurance, and are automatically signed up through the school system unless they provide evidence of other insurance.
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Current Student
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The last I checked, health insurance runs about $600 p/quarter for a single student. There are marginal savings to be made on a family plan (married couple) and each dependant child thereafter.
UW has the best primary care medical school in the nation, so uninsured students would be foolish not to participate in the benefits available.
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As for life insurance, I sorta doubt the schools would offer them, but term for a young-ish person is going to be pretty cheap. you can shop online, and I am not aware of any citizenship/residency requirements.
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