Chronic condition but umployed/self-employed/retired but no health insurance? Here's an idea...

[Shagbark Hickory]

What if you enrolled in a university with a group plan? The annual premium at the uni I went to is about $1500.
To be eligible you have to sign up for 6 credit hours (2 classes) Even if you never show up to a class though and even considering the tuition costs, it could still be a substantial savings over what it would cost you to buy an individual plan if you have a chronic condition or can't even get insurance. OR if you are holding a dead end job just for the group plan. A lot of unis have a staffed clinic that covers a lot of stuff, or even an entire medical center.

Did I just discover a way to screw the ins companies back or ????

[jody]

1. That's certainly an unexpected benefit from continuing one's education. n/t

[grasswire]

2. I've recommended this before.

I also believe that people should consider marrying friends in name only where applicable to provide social security, retirement, or insurance benefits.

[grasswire]

4. here's another idea: adopt a friend

Could some benefits be transferred with an adoption?

[undeterred]

3. You have to be accepted by the school

and you have to be able to afford it.

[grasswire]

5. well gee -- community colleges don't have very strict entrance...

...requirements. And, honestly, couldn't it be financed through a student loan?

[undeterred]

6. I didn't know community colleges had health benefits.

[Manifestor_of_Light]

7. Just about the last thing I need is more education.

Let's see 130 semester hrs. for the Bachelor's, earned.
20 hours Advanced Placement Credit.
90 hours of law school.
Oh and 60 semester hours of Junior college for the Associates degree (vocational-separate from the other undergrad stuff).

That's 300 semester hours I've earned and gotten three useless but impressive pieces of paper for it....


:wtf:

[Shagbark Hickory]

8. Yeah but if you need an operation or regular Dr visits/meds and can't get a policy...

If you can enroll in a college with a fairly lax eligibility requirement and afford to be there then it may still save quite a bit of money or enable one to get insurance.... a group plan, not the totally worthless individual plan and also grant access to free or low cost clinics.

And there may be a clause in the university regulations that say, if you get really sick during your semester you could remain in good standing or you can appeal the failing grades from not having ever gone to class. So that way you can stay enrolled to continue receiving benefits until you get better.

[Manifestor_of_Light]

16. I live 80 miles from the nearest Junior College.

[PA Democrat]

9. My son has health insurance through a plan like this, but you have to be a full-time

student (at least 12 credits) to enroll. He had been covered under my husband's plan but that plan would not cover him after the age of 19 even if he was a full-time student.

[Shagbark Hickory]

11. The plan is a lousy deal for a healthy 19 yo who might find a plan in the $50/mo range although --->

it would be an individual plan. Notorious for being worthless.

[PA Democrat]

13. I shopped around and the university plan was the best because it

covered preexisting conditions, and was a little less expensive than what he could have gotten with an individual plan.

[Berry Cool]

10. Another problem: if you're receiving unemployment benefits,

you will lose them by becoming a student.

[uppityperson]

12. I did this many yrs ago, helped me quite a bit.

[Shagbark Hickory]

14. please tell us more about how it worked and went down.

[uppityperson]

15. Ready to get pg, waited 'til was insured via college

got it all paid for by insurance (minus premiums of course).

[Shagbark Hickory]

18. pg? Does that mean pregnant? Feel free to use more words.

[krispos42]

17. It's reaching the point...

..where people will start committing felonies simply to get treated in prison for something like cancer.