<p>Saw D1 yesterday. She told me that her university is discontinuing its healthcare insurance policies for all professional and grad students. She's expected to enroll in the state medicaid program because she has no income.</p>
<p>She's too old to be included on my policy.</p>
<p>Is this happening to anyone else's student?</p>
<p>at my school, the graduate students are still getting their health insurance premiums paid for by the school. The medical students always had to pay their premiums to get the plans we get and nothing is changing for the coming year at least.</p>
<p>As low as our stipends are, since most of us don’t have children we still wouldn’t qualify for medicaid so without the school we’d have to buy on the exchange.</p>
<p>my daughter says she has not heard of any changes. Would the student have medicaid through their home state or the state their med school is in?</p>
<p>@GA2012MOM–I assume thru the state in which she currently resides (med school state) since it’s now probably her legal state of residence. </p>
<p>Just looked at the coverage D1 will get thru medicaid it’s better than the coverage she was getting thru her U for about the same price. She’ll have dental and vision --which she doesn’t have now. But the application process for medicaid is cumbersome and it takes several months to get approved.</p>
<p>wowmom - Is her State part of expanded Medicaid under ACA, i.e., did the State decide implement the expanded Medicaid to cover upto 100% of poverty number? It is supposed to be quite easy to enroll if the States expanded.</p>
<p>Good point GA, i would imagine it’s whatever state the student is a legal resident of</p>
<p>Yes, our state expanded medicaid. </p>
<p>I think one of the issues for d is that there’s no online enrollment. She has to apply in person at a state benefits office–which are notoriously understaffed and slow.</p>
<p>This issue with enrolling in her [former] home state instead of the state she lives in is that most medicaid policies do not cover OOS/OOR medical costs–except for emergency care. So if she was enrolled in a GA program, she couldn’t get routine care except in GA.</p>
<p>till legal resident of our state, and my he’d spins hearing about the ACA, I just don’t understand it. I <em>think</em> I have heard our home state is not expanding medicaid, but I could be wrong. I have not been insured for over 30 years so I am clueless.</p>
<p>Yikes, can’t type on phone</p>
<p>I know DS’s home state does not expand Medicaid.</p>
<p>Hmm…Do most med school students change their home state to the state their med school is in? What is the pros and cons of adopting a new state?</p>
<p>Do not know whether DS will run into the same health insurance issue. I doubt DS would know at this point.</p>
<p>Heck, he even does not know the next time he will need the car for the rotation and he still stubbornly refuses to get/keep a car. (I thought the younger generation would love to have his/her own car even as a high schooler. Why is he so different?! It is not that he is at a place where he could totally rely on the public transportation.)</p>
<p>At an Apple Store today, we intended to buy him some gear (backup battery) to be used with the iPhone he got last year. Received this kind of “warning” from him: If you buy this for me, I will not buy something that I really need in the future. He does not want us to use OUR money on him. Unlike last year, it looks like there is no chance to buy him a Christmas gift this time.</p>
<p>
What?!</p>
<p>From what I am hearing on the ACA premiums thread, even insurance enrollees through the gov website have plans limiting them pretty much in state. So insurance won’t be different.</p>
<p>If she is willing to take on some payments, I understand you can claim an income in the 100-138% of federal poverty level income, pay some money to get a subsidized plan. It is a disadvantage only if you make more but for someone with no income, it should not be an issue.</p>
<p>If your student travels a lot, you would be wise to look into a Blue shield based plan so they can use the Blue Network across the country. If you have an MS4, they can apply based on that half year residency income (same with an MS3 doing paid research) and they would likely be eligible for some subsidies.</p>
<p>they are atill on parents’ insurance until 26. D. lost her vision insurance, so we are picking up the tab for this (high in her case) paying cash. She lost my dental, but still has my H’s dental.</p>
<p>They can be on parent’s plans if the parents have a plan worth sharing</p>
<p>–or if the cost of insuring them on the parent’s isn’t prohibitively expensive.</p>
<p>"They can be on parent’s plans if the parents have a plan worth sharing "
-I am definitely missing something here. If a plan good enough for us oldies, then it must be good for young and healthy. Why not?</p>
<p>Off the top of my head:</p>
<p>older people need more comprehensive care and adding another dependent might be more expensive than getting a young person a catastrophic plan on the exchange.</p>
<p>Plan offered by employer might only cover in state expenses (or require referral from PCP in home state) and child goes to school out of state.</p>
<p>You need to read the contracts.
Neither of these were ever true r in our cases (many varius insurances). Even local insurance (that I currently have) covers non-local emergencies. By local I mean the one that actually works only within our city.<br>
I guess, the insurances might be that restrictive and we have never had one like this in our few decades of working at various places.</p>
<p>If parents have employer based insurance, they usually have enough coverage for OOS students. If they have open market insurance, the coverage has been curtailed in many states for a child living outside of the state starting in 2014 with ACA implementation.</p>