Post # 1
My fiance and I had planned our wedding for May 2011…however…we have just realized that we will both be losing health insurance at the exact moment we get married.
He will have just graduated college and I will be in school for another year after we get married. We are both currently insured under our parents and are poor college students. We both desperatly want to get married but we dont know what to do about health insurance.
Any suggestions on what to do?! thanks!
Post # 3
I think under the new Health Care Bill, insurance has to cover children up to age 25.
Post # 4
I would really encourage you NOT to go without health insurance. Even if you are not one to go to the doctor or get prescriptions there is just no way to tell what could happen.
Consider looking for a plan on ehealthinsurance.com.
If getting married would mean that you would not be covered and that you could not afford a private plan then I would say wait. I know how exciting getting married is, but you want to be sure that everything else is in line too.
Post # 5
I dont have heath ins and havnt in 6? years. And in reality if i “have” to pay for it i prob wont until i get old. I keep looking into catastrophic health insurance which would cover anything huge!
But to be honest to pay for ins which would b 200-400 a month isnt worth it! If i need to go to the doctors i go its about $80 for an office visit and with all the generic meds now IMO its not worth it.
Post # 6
LGenz is right. Under the new health care bill you can stay on your parents insurance until you are 25 even if you are married.
Post # 7
Here is an article that seems to relate to what LGenz & roxy are saying about staying on your parents’ insurance: http://www.baltimoresun.com/business/sns-pfinance-ym-health-care-law,0,6783983.story
Post # 8
As a warning – although the law change you so can stay on your parents plan longer, I believe that only applies to some companies, and if a company chooses not to comply, they have to pay a fine. I have heard that some companies are considering just cutting their losses and paying the fine because it is less expensive overall that insuring all these people who would otherwise be eligible.
Can you purchase insurance through your school?
Post # 9
I would wait until you have a job tha can provide health insurance before getting married. Hopefully he can get a job right after he graduates so that will cover him.
Post # 10
Thank you guys so much for the immediate response. I wasn’t expecting that. And thank you lampshade for the article. I’m going to talk to my FI about this and hopefully we can find a way to make it work.
and Evabostonterrier no I can not buy insurance through my school.
Thanks again 🙂
Post # 11
I’m with the others and say please please please don’t go without insurance. I’m one of those really healthy/never get sick types. I’ve probably been to the doc (other than the yearly girly exam) a total of 3 times in the last 10 years….but…last week I had to get a random CT scan and I shutter to think about how much that would have cost if I didn’t have insurance. Thankfully, everything ended up ok, but I also shutter to think about the costs if they had actually found something.
If you are just graduating and by definition are a poor student (been there…I feel ya) then you most likely don’t have the funds on hand to pay for ER visits or major medical bills if something else happened. A friend of mine was in a really bad accident several years ago (he didnt’ have insurance) and his medical bills ended up being around $70k. He had the money on hand (successfully self employed) and was able to cover his medical bills…but guess what…that $70k is gone now and would still be in his bank acct if he had just had health insurance. Health insurance is usually a good chunk of change and I grumble about having to pay for it each month, but for me it’s a peace of mind.
Post # 12
I too am jumping on the insurance bandwagon and it isn’t because of the “regular” doc visits which usually can be paid for out of pocket easily. It’s about the unknown catastrophies like car accidents, appendicitis, any other emergency, hosptial visit, pregnancy, etc. These are things that can happen to any healthy person without any prior medical condition.
There are plans out there that exist for those that cannot get it through their job or have no job. Try to look into that. My hubby for 5 years had to get insurance on his own and I think he also used what lampshade suggested – ehealthinsurance.com.
Post # 13
I agree with others, you should definitely not go without health insurance. I have had to get insurance on my own a couple times (between jobs and didn’t want to pay for the super expensive Cobra). And it really isn’t that expensive to get short term health insurance. Like others have said, you never know what’s going to happen.
Post # 14
DEF do not go without health insurance!!! You never know what can happen! I was without health insurance…because I was laid off and not even a month later i ended up having a disease that cost me over $5,000 out of pocket last year in health related bills! It is more important to be healthy than to get married!
Post # 15
Insurance coverage is a major reason my husband and I decided to wait until we were out of college and had good jobs before getting married. We couldn’t afford insurance on our own, so we decided to wait rather than go without. Does your school offer student insurance? Sometimes that can be subsidized for married students. Otherwise, definitely look into private insurance to cover you until you get a job with health insurance benefits.
Not sure if this applies to you, but if you are working through college, check with your company. I worked at Starbucks for 2 years during college, and you only had to work 20 hours a week to qualify for their health insurance. Just a random thought…
Post # 16
In MA every person is required by law to have health insurance. The new health care bill has made this mandatory in every state now. And I know if MA we have what is called the Health Care Connector and those who qualify get free health insurance. I am sure other states had to implement a program like this as well.