<p>Having just gotten out of the Army, I'm pretty much boned financially if anything unfortunate happens to me and I end up in the hospital. However $1150 is a bit...pricey, the details of the plan are at the link below. Is this a good plan?</p>
<p>Comprehensive</a> Plan : Student Health Insurance</p>
<p>Also does anyone of a cheaper private alternative that offers the same coverage?</p>
<p>$96/month. Yes, that’s a little pricey. It’s about half the cost you might pay under an employer. However:</p>
<p>In 2009, on average, the annual premium was $2,985 for a single person </p>
<p>[Cost</a> of Health Insurance - Has the Cost of Health Insurance Effected You?](<a href=“http://healthinsurance.about.com/od/healthinsurancebasics/a/cost_of_health_insurance.htm]Cost”>How Much Is COBRA Insurance? Cost, Implications, Alternatives)</p>
<p>You don’t have anything through the military?</p>
<p>Also, would this apply to you for 18 months?</p>
<p>[Special</a> Programs - Continued Health Care Benefit Program (CHCBP)](<a href=“http://www.tricare.mil/CHCBP]Special”>http://www.tricare.mil/CHCBP)</p>
<p>I <em>think</em> I still have Tricare for another 3 months, but after that…and thank you for that link, I’m going to have to look into that.</p>
<p>Could you get on your parents’ health insurance. My kid is self supporting, but I am able to keep her on my insurance until she is 26. She is saving close to 100/month.</p>
<p>Just went through the whole insurance thing last month. Happykid’s insurance would cost about the same (in the range of $100 each month) on my private insurance plan or through the plan with her university. However, the coverage is much better on my plan so that’s the option we’ve gone with.</p>
<p>We like having DD on college insurance because of the ease and speed of access when she needs it.</p>
<p>Our younger kid in college is also on our insurance because the coverage is better, plus my insurance is free.</p>
<p>You mean you have a choice? My kids colleges say you either buy the insurance or apply for a waiver with an existing insurance or you can’t enroll. Actually, one of my kid who is already on my insurance plan, the school health department deems that there was not enough coverage and we have to buy add on plan that cost almost $2000 a year.</p>
<p>It might depend on what state you are going to college in , if it isn’t your home state. We are NJ residents , but our girls went to ( or still go to ) college in Mass, where you HAVE to have health coverage.
We were able to waive the health insurance through the two colleges because our own plan was equal to what the schools offered , BUT it wasn’t so easy to use out of state</p>
<p>We are in TX. We are not required to insure D. Of course we DO, but we’re not required to.</p>
<p>I just went through the process of buying my own health insurance. The cheapest, decent plan I could find for myself (22 y.o. female) was around $110/month. </p>
<p>If you can’t get on your parent’s health insurance, that looks like a pretty good deal to me.</p>
<p>it looks good. nice copays and 95.00 is not much a month. if you go on your parents policy if that is an option and they do not already have other children it can cost 300.00 a month, to someone–them , you are who ever else wants to pay. the weird thing I have seen with health insurance (group policy) 1,2,5,7 kids is all the same (a flat rate), they do not charge per child.</p>
<p>To compare other carriers and plans, see [Affordable</a> Health Insurance - Individual Family and Self-Employed](<a href=“http://www.healthinsurance.org/]Affordable”>http://www.healthinsurance.org/) It should give you links to what is available in your state. Be aware that the estimated premiums are on the low side. After you have been through underwriting, the monthly cost estimate will probably rise.</p>
<p>Since having a 4th person on our insurance does not cost us additional, H decided to do both. DD tends to have issues so being able to go to the school clinic on campis without including us in the process of finding a doctor etc has been a huge benefit and well worth the cost.</p>
<p>I’ve always had PPO, our kids have been able to go in and out of network.</p>
<p>We ended using college insurance for younger son because it looked like he’d have trouble finding providers otherwise. He’s used student health a lot - mostly for getting immunizations!</p>
<p>Spudcommando, if Tricare doesn’t work out, this Ohio State plan appears to be a decent plan. I don’t think you are going to do better with an individual plan.</p>
<p>Also, the place to scope out other choices in plans is [Home</a> | HealthCare.gov](<a href=“http://www.healthcare.gov%5DHome”>http://www.healthcare.gov). Click on the first box, “find insurance options now.”</p>
<p>We have our college kids (one in CO, one in MA) on our own policy and were required to show proof. For one of them we opted to also pay $180/semester so that she can use the campus walk-in clinic for anything routine.</p>