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 Message Boards » » Health Insurance for recent graduates Page [1]  
BlroomDancer
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What is the best health insurance for recent graduates? If any, which ones should I avoid?

5/26/2009 3:51:36 PM

Jrb599
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I pay $102.46 for BCBSNC

5/26/2009 3:52:11 PM

roddy
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I had bcbsnc when I was unemployeed or when I had a job that didnt offer benefits. That period covered late 2004 - early 2007 and it was pretty reasonable.

[Edited on May 26, 2009 at 3:59 PM. Reason : w]

5/26/2009 3:59:05 PM

PinkandBlack
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the answer is always...

your parents insurance

5/26/2009 3:59:58 PM

roddy
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Most of those have age limits unless you are retarded like dnl.....

[Edited on May 26, 2009 at 4:01 PM. Reason : w]

5/26/2009 4:01:12 PM

ambrosia1231
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make sure, if you go the catastrophic route, that each renewal isn't counted as a new policy. You can get severely buttfucked if you get sick, and that's the way it was done.

5/26/2009 4:02:27 PM

PinkandBlack
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i'm assuming a recent grad is in the 22-25 range

5/26/2009 4:02:34 PM

ThePeter
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when my sister got too old be on our parents military insurance she got on Blue cross blue shield

no complaints that i know of

5/26/2009 4:03:27 PM

Samwise16
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^5 I was kicked off my parents' insurance before I even graduated.

5/26/2009 4:04:06 PM

dubcaps
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i went with bcbsnc

5/26/2009 4:05:16 PM

mcfluffle
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if you´re in any professional clubs related to your major, sometimes they offer something for the span between graduation and getting a job

5/26/2009 4:05:19 PM

roddy
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I basically went the catastrophic route, I think I had the regular plan at first and then I decided to switch. When I got my job with health insurance, I just figured I would not renew it. I am glad I decided to go ahead and cancel it because you never know when you might need it again and it looks bad if you just didnt renew it. I made sure I called and told them why I was canceling it before the deadline for renewal passed.

I now have bcbs basic national plan through my employer. I did have standard but it is more for when you are older and you have to go see specialists or doctors because you are slowly falling apart. I couldnt justify the costs difference so I switched.



[Edited on May 26, 2009 at 4:09 PM. Reason : w]

5/26/2009 4:07:33 PM

BlroomDancer
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GradMeD vs. BCBSNC? Im 23, I've been covered under my mother's BCBS during undergrad...but seems like GradMed is cheaper?

5/26/2009 4:14:24 PM

ambrosia1231
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Well then...look at it, and figure out why that might be.
And then decide if the reasons are ones that matter to you.

5/26/2009 4:15:01 PM

jataylor
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Quote :
"the answer is always...

your parents insurance"

most insurances kick you off either when you are 23 or after you graduate

5/26/2009 4:15:47 PM

Samwise16
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^ Yup... that's what happened to me, I turned 22 and they were like "see ya"

5/26/2009 4:16:36 PM

dyne
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wow you got fucked over... normally its 23. at least one can get it thru NCSU till graduation.

[Edited on May 26, 2009 at 4:21 PM. Reason : .]

5/26/2009 4:21:01 PM

roddy
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I didnt even realize it until after the fact but for the first 4 months of my job after graduation, I was covered through them and through the Student Health Insurance. I only found out when I was signing up for bcbsnc after that job and saw that I was covered by both (you have to list all the insurances you had to show no lapse in coverage).

5/26/2009 4:30:06 PM

ambrosia1231
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^^And it's shit insurance. Insurance, at least.

Btw, there's a motion to require all UNC system campuses (most already have something like this, but not this exact implementation) to get the "sponsored" insurance (I want to say it's from a SC company called Pearce and Pearce...the ones who proposed this requirement). It'd be the only option, and all students would have to either get that, or maintain "comparable" insurance (i.e., none of the catastrophic plans qualify, or in my case, not even my parents' plan would have sufficed).

That's all fine and dandy, except maintaining coverage would be required to attend school. Waivers would need to be completed every semester for those choosing comparable coverage elsewhere. No waiver or no insurance? Your registration is dropped just as though you haven't paid tuition.

Also, these health insurance premiums wouldn't be considered a cost of attendance, and so there'd be no financial aid.

Paging TGD. I'm sure he's kept abreast of all this. I'd post the original note he wrote, but it's long.

[Edited on May 26, 2009 at 4:39 PM. Reason : sfgd]

5/26/2009 4:38:24 PM

Rockster
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BlueOptions HSA (bcbsnc)

5/26/2009 4:47:20 PM

Mindstorm
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Shoot, your parents' insurance drops you at 22/23? Mine would've let me stay on til I was 25 as long as I was enrolled full time.

BCBSNC is not a bad plan to go with. I'm using it right now inbetween jobs and I pay $337 a month for a BlueAdvantage plan with a $1000 deductible and 100% coverage (after deductible is met). I'm also a diabetic, so comments about me paying too much can go away.

5/26/2009 5:24:00 PM

Biofreak70
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i have BCBSNC, and with dental and the lowest deductible/co-pay possible i pay about 220ish a month


i could probably go with a cheaper plan through them, but i'm getting help paying for it, so i'm not too worried about it

5/26/2009 5:27:27 PM

Samwise16
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Quote :
"wow you got fucked over... normally its 23. at least one can get it thru NCSU till graduation."


Well, I graduated half a month later so I guess it wasn't too awful... What sucks the most is that it was REALLY good insurance. I had like $10 copays. Went to the doctor the other day (urgent care) and had a freaking $50 copay!!! I was like WTF IS THIS SHIT. Then, my freakin antibiotics were $15 Last year I got a prescription for Vicodin for $0.75!!!

My parents had BCBS Federal... *le sigh* I miss it already

[Edited on May 26, 2009 at 7:41 PM. Reason : (got the pain meds w/ BCBS Fed)]

5/26/2009 7:41:22 PM

BlroomDancer
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BCBSNC Blue Advantage is "as little as $4.27/day" with $ ??? deductible and GradMed has a "regional average cost of $2.73/day ...with a $500 deductible".

Now why not go with GradMed?....

5/28/2009 6:49:15 PM

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