<p>Any ideas on this? Do I just beg my dad to pay my premiums and find something myself?</p>
<p>I have three prescriptions I depend on and would need a plan that would be affordable. Right now I'm under his plan but I'm 21 and still an undergrad. I'll be 23 when I get my bachelor's. Let's assume I go to grad school the fall after that (I'm graduating in December 2009). I'd be 24 and would have one year of health insurance coverage since most stop after 25.</p>
<p>Perhaps I see if my dad can pay for my premiums until I finish grad school since he has a lot more money than I do? I need good insurance since a lot of lower end coverages don't cover the meds I need.</p>
<p>i've been in two separate grad programs, and have had student insurance covered by the school on both occasions. we're also getting stipends (in the sciences, this is common), so maybe that's the difference.</p>
<p>even if your school doesn't pay you, you can just take the cheapest package that they offer for their undergrads.</p>
<p>I guess I'll have to mention my disability when I apply anyways so perhaps that will lend itself to a good insurance deal.</p>
<p>One of the meds is a generic so I don't see a problem with it. The other two are often not covered by insurances and one is available only at one pharmacy in the entire area where I live. Maybe I should mention this to them?</p>
<p>I'd probably need the stipend for fuel/car expenses. Due to my disability, which affects my socialization skills big time, I have no choice but to commute. Any kind of communal living (including apartments) would be a bad thing for me--one of my docs told me so and I was granted exemptions from many situations like that during high school (for example, I was allowed to drive myself to an event that was 200 miles away and could stay alone in private premises at the hotel away from the others).</p>
<p>Sorry for the rant there, but just saying I'd need that extra cash for my car and maybe clothes now and then. If I'm living at home, the rent and food are free...</p>
<p>One more thing to think about: have you looked into whether you would have to pay COBRA premiums under your father's policy for the period between when you finish undergrad and when you start grad school, so Jan. to Aug. of 2009? Just a thought.</p>
<p>Also, this is just my two cents, but I would never mention specific drugs you take in an application. Seems like too much info. It would make more sense to research to find out which programs typically include insurance in their packages and apply to those ones. If you receive offers that don't include insurance, perhaps you could try to negotiate.</p>
<p>Let's be clear here: Insurance is a matter dealt with by the GRADUATE SCHOOL (an administrative unit), and NOT by the DEPARTMENTS to which you will be applying for admission. </p>
<p>DEPARTMENTS award admission, assistantships, etc. THE GRADUATE SCHOOL
disburses these awards, and deals with stuff like fees, health insurance, etc.</p>
<p>DEPARTMENTS don't care about your health insurance issues, so there is NO reason to deal with that in your applications. All you need do is call the Graduate Schools of the universities to which you'll be applying, and ask about their health insurance policies. Generally, they either PROVIDE health insurance to students, or REQUIRE health insurance be carried by students.</p>
<p>If they provide it, it could be "free" (i.e. covered by your fees), or discounted (only partially covered by your fees). If they do not provide it, but require it, then you are on your own in terms of finding a provider, and paying for coverage.</p>