They said that if all the healthy patients opted out for cheap health insurance policies, then they wouldn't be able to offer policies for people with health conditions. Their solution for this was to make their expensive insurance mandatory for everyone.
Yes, that's how it works. Healthy people subsidize the medical expenses of people who aren't. They (the insurers) have to get a large enough pool, otherwise they get hit with losses. Especially since it seems like they are charging everyone the same premium, regardless of how healthy they are or how healthy their lifestyle is.
This doesn't sound legal to me, it sounds like they are steering people into just one plan. I thought people were supposed to have a choice. Even when we have a job and we are offered health insurance from just one company we are still given the option of taking it or not.
I'm pretty sure there could be a lawsuit over this kind of thing, but I don't want to create a big stir in school-- I just want to save that money every year. $4000 a year after 4 years is a substantial amount of money. The fees I listed before weren't even all the fees that they charge for health insurance-- there are a couple more.
I'm pretty sure there could be a lawsuit over this kind of thing, but I don't want to create a big stir in school-- I just want to save that money every year. $4000 a year after 4 years is a substantial amount of money. The fees I listed before weren't even all the fees that they charge for health insurance-- there are a couple more.
I'm not sure about the legality, but I know medical schools have rules about what liability limits and coverage limits a student must have on their insurance policy. Presumably it would be legal, since this is not the first time I've heard of it.
What do I find strange is that they are forcing you into their one plan and not giving you a choice of shopping around, even within their policy guidelines.
EDIT: btw, congrats on being accepted to medical school
This message last edited by BlackAdder on 08/06/2010 at 04:00:58 AM
A legal question about health insurance and schools for anyone inclined to answer
- 07/06/2010 11:33:29 PM
743 Views
Probably impossible to answer without seeing any contract you have to sign before you attend.
- 07/06/2010 11:42:08 PM
478 Views
I think they will just add it to his term bill in that case.
- 08/06/2010 12:36:03 AM
511 Views
That is exactly what they will do, except they offer no waiver in my position
- 08/06/2010 03:07:43 AM
566 Views
Yeah, they just add it to your term tuition statement-- there is no way around it
- 08/06/2010 03:02:15 AM
553 Views
Re: A legal question about health insurance and schools for anyone inclined to answer
- 08/06/2010 12:38:54 AM
602 Views
I did contact them and they said they can't have healthy patients opt out of their plan
- 08/06/2010 02:56:01 AM
578 Views
I'd be curious to see what sort of ties can be found between the school, or some of its board...
- 08/06/2010 03:09:26 AM
488 Views
Welcome to insurance
- 08/06/2010 03:50:56 AM
673 Views
one question
- 08/06/2010 04:06:42 AM
566 Views
It most likely is policy for all students on the campus no matter what they are studying. *NM*
- 08/06/2010 05:23:47 AM
209 Views
Welcome to the concept of ObamaCare.....i.e., forced purchasing of medical insurance. *NM*
- 08/06/2010 04:34:26 AM
226 Views
Except not, because he already has a provider. Good try, but not really. Try again. 
*NM*
- 09/06/2010 02:39:48 AM
214 Views
*NM*
- 09/06/2010 02:39:48 AM
214 Views
you might think that is true but it is likely the insurance he has won't be allowed under Obamacare
- 09/06/2010 05:10:04 AM
588 Views