Tuesday, 30 December 2008
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An update, and a question about insurance
I’ve arrived safely back in the States with a minor case of jet lag, but none worse for the wear. Look for some updated photos here or on Flickr in the near future.
Meanwhile, I realize that an additional complication of graduating means that i need health insurance (since I’m no longer a dependent under my dad’s insurance plan). Has anybody had experience purchasing insurance post-graduation? Some unique things about my situation:
- I only need insurance from January till March (3 months). I start work mid-March, so I’ll be covered by a company plan then.
- I’d like my insurance to cover: 1) my monthly asthma prescription (Asmanex) and 2) travel shots/medication (various shots, malaria pills, etc).
- The biggest risk I’m going to be taking is a trip to Botswana in February (more on that later). Should I be looking for a health plan that has additional travel risk coverage?
I’d really love your input, if you’ve any experience. Thanks!
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Comments (10)
Have you double checked w/ your dad's insurance to make sure there isn't some grace period? Sometimes they give you a month or so to get these things sorted out..
my parents keep telling me to sign up for Cobra ...not sure what or how though
and for Botswana you can apply for traveler's insurance online
check with your alumni association--i don't know what berkeley does, but cal poly, slo's alumni association provides health insurance for alumni, which is really helpful for recent grads who don't have a job yet.
@ubiquiti - Yeah man, I checked and they say I have coverage till the end of the month (that's tomorrow!). Oh dear.
protip: if you want to be sneaky, here's a way to do it. If your parents' coverage extends to full-time dependent students, then you can sign up for 3 De Anza classes, provide a transcript, and drop those classes. The insurance carrier gets the transcripts and extends coverage. In fact, that's pretty much what I'm doing now.
Hmm... that was the reason my parents wanted me to go to grad school right after college, actually. Let me know if you find any way.
Do I hear a missions trip??
My parents signed me up for Blue Shields after I wasn't covered under them anymore. Check and see if they have any plans that work for you. They have basic and pretty affordable plans.
when i graduated, i got a packet about temporary out of pocket insurance from school and i signed up for that until i started working. it wasn't cheap but it helped to bridge that gap. there's info that helps define stuff here: http://www.healthinsurance.info/plans/Temporary-Health-Insurance.HTM hopefully you'll be able to find something not too expensive that will work for you.
ahao, i signed up for Tonik (Blue Shield PPO) insurance and it cost like 100/month and you can cancel it whenever. it has different plans and it is especially for people in our age bracket (18-25yr olds). My plan covered everything except for pregnancy stuff, which you won't have to worry about.
The SHIP site has some plans that you could look into.
http://www.uhs.berkeley.edu/students/insurance/aftergraduation.shtml
When I talked to the Blue Shield guy, he recommended buying a normal plan because it's monthly so you can cancel anytime. If you are on an asthma prescription, I don't think you are eligible for the short term plan. Check in case though. Hope that helps!