I'm going to get kicked off my dads health insurance and my job doesn't offer it, what should i do?

Question

I graduated in January and his insurance only covers me if i'm going to school full time, i'm not going to start school until spring.

Answer 1

if your signed up for school full time in spring you shouldn't be knocked off his insurance. that's like being knocked off for summer vacation. your dad just needs to let them know you are still a full time student. he may have to show paperwork on it, like registration or something

Answer 2

Pay for your own separate insurance or go without. There are alternative forms of healthcare to look into. Herbal remedies and what-not. Educate yourself. You have the internet available to you! You can hop back on it when you get into school.

Answer 3

I was in the same situation. 2 yrs later i still have no health insurance but in dier need of dental work. Ppl will tell u medicaid but its not that easy. U have to fit the requirements which i didnt.

I guess try medicaid if not try a private low cost insurance..

GL.

Answer 4

ask about COBRA health insurance.  It's ususally for times where you are in between insurances.

Answer 5

Some of the larger health insurance companies offer "temporary health insurance" that you can only keep for 6 - 18 months.  It is designed for people in situations just like yours, between jobs, newly graduated, etc.  This should be far less expensive than what is available via COBRA (assuming you are in good health and qualify for an individual plan).

If you don't "doctor" very much and are simply looking for protection in an emergency, consider a larger deductible.  There's nothing worse than paying a high insurance premium for coverage you'll never use.  Granted, you run the risk of having to pay a large deductible in an emergency, but it may help you find something affordable.  

Answer 6

I pay 800 per month for blue cross.it is worth 200 per week of salery.get another job that pays for it.............worth 5 bucks an hour

get sick/accident.etc.............your screwed or your parents are....

Answer 7

Well, your dad's insurance company might offer you COBRA coverage, where you can pay the premium out of pocket, and keep the coverage.  It would probably cost you about $350 a month or so.

Otherwise, you can go to a local agent, and buy an individual policy.  If you're healthy, it should cost you $200 a month for a low deductible/no deductible plan, and about half that for a high deductible plan.  If you're not healthy, it will either cost a lot more, they won't include the stuff that's wrong, or they'll flat out refuse to write you.

Answer 8

get your own insurance - you just need to pay your own one.

Answer 9

See if there's a low income insurance plan in your area. You may qualify for it, and those usually have lower premiums than signing up on your own. I'd also check to see whether any of the professional associations for the field you're in or will be studying when you go back to school offer the option of joining a group plan through them. That was true of one that I used to belong to - this is most likely if you're in a field where small employers are common. I would also see whether you can health insurance from the same agent you get car insurance from (if you have a car), as sometimes you can get a discount by signing up for more than one type of insurance. If none of those options work, I'd just start searching for companies and finding out what options they offer. If you don't have any ongoing health problems, you may be able to get a plan with a high deductible without spending a lot of money. It won't help with routine care, but you'll have a safety net if you were to get really sick.  

Answer 10

A high deductible health insurance policy may be the answer.  Premiums are very low.  Depending on whether you file a separate tax return or your dad claims you as a dependent, you may want to set up a health savings plan (HSP) and contribute to it from your paycheck (if you are a dependent).  Then you have money tax-free to pay for any medical/dental expenses that you incur up to the deductible.  If you file a tax return separate from your dads tax return, you can deduct the cost of insurance and non-covered expenses if you don't have a HSP.