OMFG Walgreens You Suck

[owlegrad]

Well I have insurance now since the school forced me to pay for it so I should be fine...but I really doubt I will ever use it.

Annual exams are a good idea for everyone, particularly for you because you might as get some utility from your insurance.

Having said that I think my last exam was....seven years ago?

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[type b pharmD]

$200,000??? Damn what happened?

But if I had a chronic condition I would know to get insurance...especially if it was a severe one...

My most expensive medical expenses are braces ($5000) and getting my wisdom teeth removed ($2000)...but I doubt any insurance cover braces...maybe wisdom teeth though....But we just paid cash for it. It was kinda expensive now that I think about it. LOL...

surgeries add up fast

 

[SHC1984]

Annual exams are a good idea for everyone, particularly for you because you might as get some utility from your insurance.

Having said that I think my last exam was....seven years ago?

7 years ago? dang...how old r you? hehe...

Oh annual exams are cheap. I pay like $150 for mine. CHEAP! Think about it what is cheaper.
a) pay $375 per semester + $300 deductable (so I really have to pay for my annual exam myself anyways) and pay a copay+ 20% of total fees
or
b) just pay $150 for the annual exam.



There is NO WAY you can get your money's worth on insurance, they will always beat you out. Same thing with car insurance...but I really don't want to et off topic here!

 

[owlegrad]

I do NOT think it should be a student's responsibitity to get insurance though...I think it should be a choice. If I want to pay cash for all my visits, I have the right to.

And I don't think I should have to pay for car insurance, but the cops disagree. Maybe I could just explain that my parents cancelled it and I didn't know?

 

[owlegrad]

7 years ago? dang...how old r you? hehe...

Oh annual exams are cheap. I pay like $150 for mine. CHEAP! Think about it what is cheaper.
a) pay $375 per semester + $300 deductable (so I really have to pay for my annual exam myself anyways) and pay a copay+ 20% of total fees
or
b) just pay $150 for the annual exam.



There is NO WAY you can get your money's worth on insurance, they will always beat you out. Same thing with car insurance...but I really don't want to et off topic here!

Great Minds think alike!

 

[SHC1984]

And I don't think I should have to pay for car insurance, but the cops disagree. Maybe I could just explain that my parents cancelled it and I didn't know?

HAHAHAHAHAHAHAHA....Okay I see your point here! that shouldn't fly...everyone should have car insurance. But I just think insurances are a rip off b/c you will obviously pay out 1000000000000X more than you will ever use and it's just a waste of money....you might not even use it. That's my point.

 

[owlegrad]

7 years ago? dang...how old r you? hehe...

Uhg, I'd rather not say. Let's just say I MIGHT have been 18 on my last exam...

 

[SHC1984]

Great Minds think alike!

Car insurance is needed b/c you could damage OTHER PEOPLE'S property and whenever that happens you need to pay up.

Health insurance you are only dealing with YOURSELF. Either you pay by cash or insurance is your business.

Car insurance or anything in which you are dealing with other people's property you need to be insured.

 

[SHC1984]

Uhg, I'd rather not say. Let's just say I MIGHT have been 18 on my last exam...

Well, it's easy to figure out. Your facebook says you graduated high school in 2004. So you must be 25. You are still younger than me so stop complaining!

 

[owlegrad]

Car insurance is needed b/c you could damage OTHER PEOPLE'S property and whenever that happens you need to pay up.

Health insurance you are only dealing with YOURSELF. Either you pay by cash or insurance is your business.

Car insurance or anything in which you are dealing with other people's property you need to be insured.

This is how I feel about seat belt laws. Except for children of course, people should be able to decide for themselves whether to buckle up. It's my own safety damn it!

 

[type b pharmD]

7 years ago? dang...how old r you? hehe...

Oh annual exams are cheap. I pay like $150 for mine. CHEAP! Think about it what is cheaper.
a) pay $375 per semester + $300 deductable (so I really have to pay for my annual exam myself anyways) and pay a copay+ 20% of total fees
or
b) just pay $150 for the annual exam.



There is NO WAY you can get your money's worth on insurance, they will always beat you out. Same thing with car insurance...but I really don't want to et off topic here!

its pretty easy to get your money's worth on health insurance. As a student, say you paid in $3000 in a year. A couple of specialist visits and a couple months of $500/month medications and you're already even

 

[owlegrad]

Well, it's easy to figure out. Your facebook says you graduated high school in 2004. So you must be 25. You are still younger than me so stop complaining!

Good deductive skills. You also could have done 18 when examined + 7 years ago = 25 YO. I feel so old...

 

[SHC1984]

This is how I feel about seat belt laws. Except for children of course, people should be able to decide for themselves whether to buckle up. It's my own safety damn it!

I totally agree!!!!!! And I really don't care if people do drugs so I think all drugs should be legalize too but we are really getting off topic here!

But I am against people that don't have health insurance and expect medicaid to pay for everything! that I hate. Either you pay by cash or you get insurance. Medicaid = free loading NOT GOOD! I would get rid of medicaid and all those other free loader insurance. Either you pay yourself or get private insurance should be the only options.

Like I say before I will get health insurance eventually. Especially when I get married and want children, definetly by then. I mean it is useful...but I just won't get it when I know I won't use it. Like NOW for example!

 

[SHC1984]

Good deductive skills. You also could have done 18 when examined + 7 years ago = 25 YO. I feel so old...

WTF! I am a year older than you!!!!! I should feel old...not to mention guys get more attractive as they age (George Clooney)...women get uglier...I already gain 10 pounds since I started pharmacy school...what else now? I don't know what is worst gaining weight or making a B+ on an exam...I hate my life right now.

 

[SHC1984]

its pretty easy to get your money's worth on health insurance. As a student, say you paid in $3000 in a year. A couple of specialist visits and a couple months of $500/month medications and you're already even

I actually only pay $375 a semester so around $800 a year...but I also have to pay $300 out of pocket before insurance will start paying so I would have paid $1100...plus they only pay 80% of all bills...so I guess if I get into a huge accident it would even out! hahaha..I hope not though...I have finals next week so I don't have time for that crap! lol... I do not even have time to go shopping much less get sick!

 

[owlegrad]

I totally agree!!!!!! And I really don't care if people do drugs so I think all drugs should be legalize too but we are really getting off topic here!

I have no problem with outlawing dangerous drugs on a philosophical level, but like prohibition, trying to prevent illegal drug use just doesn't work. So I do have a problem with the fact that it is an ineffective use of resources. Not to mention how many people it turns into criminals who otherwise would be productive members of society.

I have no problem with medicare, although I do think the amount of fraud in the system is regrettable.

I hope you have insurance when you need it. If you don't, it's too late.

 

[ttopping]

Malpractice insurance is important, especially if you are an MD. I don't know about malpractice insurance for pharmacists. Insurance is usful if you have a chance of using it. I will get health insurance when I am 30+, planning to have a child, or whatever. Right now my chances of using insurance is the same as my chances of winning the 250 million dollar lottery...yes it could happen but it won't.

Why do you think your chances of getting sued are that much more than getting in a major accident that requires hospitalization? I wouldn't say I have malpractice insurance because I'll probably use it, I have it to cover my ***** in case something crazy happens*.

*Edit: I have it because the school makes us get it so we can cover ourselves + themselves, not to mention it's great to have in general

 

[owlegrad]

WTF! I am a year older than you!!!!! I should feel old...not to mention guys get more attractive as they age (George Clooney)...women get uglier...I already gain 10 pounds since I started pharmacy school...what else now? I don't know what is worst gaining weight or making a B+ on an exam...I hate my life right now.

Sorry to hear that.

Not to rub it in, but I have lost about 25 pounds sense starting pharm school. I think it is the stress.

So I am getting more atractive with age huh? I like the sound of that...

 

[type b pharmD]

I actually only pay $375 a semester so around $800 a year...but I also have to pay $300 out of pocket before insurance will start paying so I would have paid $1100...plus they only pay 80% of all bills...so I guess if I get into a huge accident it would even out! hahaha..I hope not though...I have finals next week so I don't have time for that crap! lol... I do not even have time to go shopping much less get sick!

wow,. thats nuts!! i think we have to pay $3500 or so

 

[SHC1984]

I
I hope you have insurance when you need it. If you don't, it's too late.

I have insurance now...I guess its not completely unfortunate! LOL... I will most likely get it when I get my first job or I might wait a year and pay off my loans first and then get it...not sure yet.

Man, I am addicted to SDN...I came online to check my grade for an exam (It wasn't posted..) so I am on here for 2 hours. LOL...

Okay good night. I'll ttyl!

 

[SHC1984]

Sorry to hear that.

Not to rub it in, but I have lost about 25 pounds sense starting pharm school. I think it is the stress.

So I am getting more atractive with age huh? I like the sound of that...

Lost 25 pounds! I hate you!!!!!!!!!! I just need to lose 10 pounds and I will be the same weight I was when I was in high school! I am going to the gym EVERYDAY during break!

Yeah, I think guys in their mid to late 30s (even early 40s) are most attractive. I don't like young guys at all.

I am not that stress at all...just tired due to lack of sleep from exams. Gotta go study now. Should be studying! and you too!

 

[ttopping]

I have no problem with outlawing dangerous drugs on a philosophical level, but like prohibition, trying to prevent illegal drug use just doesn't work. So I do have a problem with the fact that it is an ineffective use of resources. Not to mention how many people it turns into criminals who otherwise would be productive members of society.

I have no problem with medicare, although I do think the amount of fraud in the system is regrettable.

I hope you have insurance when you need it. If you don't, it's too late.

Not to mention that Florida has shown us that we're not very good at preventing illegal use of legal drugs either

 

[SHC1984]

wow,. thats nuts!! i think we have to pay $3500 or so

Yeah...I think it depends on the state that you are in and the insurance you have. When I was at Columbia University the insurance was like $2500 or $3000 per semester or $5000-$6000 a year!!! I waived it and it still charged me for $950 a semester b/c I had to pay for the student health services anyways. RIP OFF! lol...But I am sure the insurance there covered a lot more then the one I have now...the one I have now will only cover up to 80% of all expenses...so if you charge $100,000 you still have to pay $20,000 out of pocket! So you would have had to pay $40,000 for your total of $200,000. Oh they actually also mention that they will only pay out at MOST $75,000 per injury...so if your broke a leg and it cost more than $75,000 to fix then they will not pay for the remaining! Plus you have to pay the copay of $50 and the deductable of $300. I think this insurance is cheaper, b/c it doesn't cover as much and I am sure the network might be more limited too etc. if you go out of network they will pay out even less.

 

[owlegrad]

Lost 25 pounds! I hate you!!!!!!!!!! I just need to lose 10 pounds and I will be the same weight I was when I was in high school! I am going to the gym EVERYDAY during break!

Yeah, I think guys in their mid to late 30s (even early 40s) are most attractive. I don't like young guys at all.

I am not that stress at all...just tired due to lack of sleep from exams. Gotta go study now. Should be studying! and you too!

Sad but true.

Not to mention that Florida has shown us that we're not very good at preventing illegal use of legal drugs either

See above.

 

[SHC1984]

Oh last thing before I really leave for sure! I read a lot of Suze Orman books and her Young, Fabablous and Broke book she mention that Cash Value Life insurance is a rip off.

She says one should only get insurance if they have someone that depends on them for a living and they should only buy the insurance that pays out when there is a death. She says people should not buy insurance when they don't have any dependents. (like buying insurance when you don't have kids or buying insurance for your kids are a waste of money)

She also mention that Cash value insurance is a rip off b/c you will MAKE MORE MONEY if you invest in the money yourself...she mentioned that the insurance companys are actually just using your money (or your interest money) and that you are better off investing the money instead of buying cash value life insurance.

What do you guys think about this??? I don't know if I agree or not b/c I don't know enough about investments and stuff...but I have a feeling that Suze is right b/c she is the best with money.

 

[ucrx]

Car insurance is needed b/c you could damage OTHER PEOPLE'S property and whenever that happens you need to pay up.

Health insurance you are only dealing with YOURSELF. Either you pay by cash or insurance is your business.

Car insurance or anything in which you are dealing with other people's property you need to be insured.

But if something happens and you can't afford to pay for your care, hospitals are still responsible for treating you. Also, if you are diagnosed with something then try to get insurance, you can be denied (although I think this is changing with health care reform) or charged much higher premiums because you are more expensive to insure.

 

[Its Z]

WTH, y'all turned my thread into "right to deny healthcare insurance" topic?


I'm proud of you.

 

[owlegrad]

WTH, y'all turned my thread into "right to deny healthcare insurance" topic?


I'm proud of you.

Oh we did much more than that. This baby is all over the map. Glad you are so proud.

I thought about you around the tenth OT post.

 

[rph3664]

HAHAHAHAHAHAHAHA....Okay I see your point here! that shouldn't fly...everyone should have car insurance. But I just think insurances are a rip off b/c you will obviously pay out 1000000000000X more than you will ever use and it's just a waste of money....you might not even use it. That's my point.

Tell that to my former co-worker whose son had a stem cell transplant (which was unsuccessful to boot) ; or the man at my brother's company who had a neurological disorder that resembles ALS but isn't, and he was able to work up until a few days before he died despite being on a ventilator for 11 years; or another family I know of who had a child who had cancer followed by two liver transplants, etc. etc. etc.

In the late 1980s, I worked with a man whose new car was totaled when it was struck by an uninsured drunk driver. My co-worker was not seriously injured (the drunk was actually hurt worse - how often does THAT happen, or so it seems?) but in addition to replacing the value of the car, he also got $20,000 as a settlement. AND the other guy would not be allowed to own property until he reimbursed that insurance company.

I sure hope I never have to use any insurance I currently carry, but I'm sure glad I have it if I do.

 

[rph3664]

Oh last thing before I really leave for sure! I read a lot of Suze Orman books and her Young, Fabablous and Broke book she mention that Cash Value Life insurance is a rip off.

She says one should only get insurance if they have someone that depends on them for a living and they should only buy the insurance that pays out when there is a death. She says people should not buy insurance when they don't have any dependents. (like buying insurance when you don't have kids or buying insurance for your kids are a waste of money)

She also mention that Cash value insurance is a rip off b/c you will MAKE MORE MONEY if you invest in the money yourself...she mentioned that the insurance companys are actually just using your money (or your interest money) and that you are better off investing the money instead of buying cash value life insurance.

What do you guys think about this??? I don't know if I agree or not b/c I don't know enough about investments and stuff...but I have a feeling that Suze is right b/c she is the best with money.

She's 100% correct. At one time, it was considered a good investment, but not any more.

You shouldn't buy life insurance anyway. You should rent it (i.e. term policies).

 

[Sparda29]

its pretty easy to get your money's worth on health insurance. As a student, say you paid in $3000 in a year. A couple of specialist visits and a couple months of $500/month medications and you're already even

Or, if you're stressed out or back pain and whatnot. Go to doctor --> prescription for chiropractor + massage therapy = Massage Therapy + Chiropractor adjustments paid by insurance, yeeeaaaaahhhh.

 

[confettiflyer]

Surprised it hasn't come up...but the issue is...ta-daaa....Liability!

The school certifies to your sites that you have completed the proper vaccinations, security clearances, and (possibly) that you are insured. The school notifies its overlying liability umbrella insurance that all of its students are insured and its premiums can be based on this fact. Your clinical sites will do this as well, often as a condition for accepting students.

Would it be lying if you certified insurance that you didn't have? Duh. We could argue righteousness until we're blue in the face but the reality is....no one wants to pay for something they can get away with for less.

Like with most things in life, you weigh the chances and consequences of getting caught. For most students, this means (gasp) a hold on your registration, or, at most, you have to pay for the coverage.

 

[owlegrad]

Surprised it hasn't come up...but the issue is...ta-daaa....Liability!

The school certifies to your sites that you have completed the proper vaccinations, security clearances, and (possibly) that you are insured. The school notifies its overlying liability umbrella insurance that all of its students are insured and its premiums can be based on this fact. Your clinical sites will do this as well, often as a condition for accepting students.

Would it be lying if you certified insurance that you didn't have? Duh. We could argue righteousness until we're blue in the face but the reality is....no one wants to pay for something they can get away with for less.

Like with most things in life, you weigh the chances and consequences of getting caught. For most students, this means (gasp) a hold on your registration, or, at most, you have to pay for the coverage.

You will at least have to pay for coverage (it's a requirement), and you are risking much worse, morality aside.

 

[confettiflyer]

Oh last thing before I really leave for sure! I read a lot of Suze Orman books and her Young, Fabablous and Broke book she mention that Cash Value Life insurance is a rip off.

She says one should only get insurance if they have someone that depends on them for a living and they should only buy the insurance that pays out when there is a death. She says people should not buy insurance when they don't have any dependents. (like buying insurance when you don't have kids or buying insurance for your kids are a waste of money)

She also mention that Cash value insurance is a rip off b/c you will MAKE MORE MONEY if you invest in the money yourself...she mentioned that the insurance companys are actually just using your money (or your interest money) and that you are better off investing the money instead of buying cash value life insurance.

What do you guys think about this??? I don't know if I agree or not b/c I don't know enough about investments and stuff...but I have a feeling that Suze is right b/c she is the best with money.

This is correct. I'm a big fan of the "term life insurance only" argument, and only when you have dependents/a spouse. Everything else is a total rip off "whole life, etc..." and anyone who tells you otherwise is out for a commission.

Remember, debt extinguishes upon your death if there's no estate to go after, so no need to "leave money" to pay it off. Most of us are young with no real assets to pass along and a negative net worth. As you accumulate assets, start a business, have dependents, etc... insurance makes sense to keep from having to liquidate assets to pay creditors who have a claim on your estate. At that point, you'll probably want to look into setting up a revocable living trust to avoid probate.

but yeah no if you're 26, single, in a ton of debt, no assets...don't waste your money on life insurance. many work places will give you ~1x your salary as a death benefit for free or pennies, buy that in the meantime to pay for your funeral expenses.

 

[confettiflyer]

You will at least have to pay for coverage (it's a requirement), and you are risking much worse, morality aside.

again it's school dependent, my old undergrad basically said they would just put a hold on your record in the amount of the insurance premium if your coverage was invalid for any reason. the plus side...your coverage would be retroactive to the start of the semester.

so no waterboarding or getting arrested by campus police involved....or sitting in front of some random tribunal getting drilled by some chancellor/dean. yeah right.

 

[owlegrad]

again it's school dependent, my old undergrad basically said they would just put a hold on your record in the amount of the insurance premium if your coverage was invalid for any reason. the plus side...your coverage would be retroactive to the start of the semester.

so no waterboarding or getting arrested by campus police involved....or sitting in front of some random tribunal getting drilled by some chancellor/dean. yeah right.

Undergrad is not the same as pharmacy school though. I won't pretend that I know about other schools, but here professionalism is preached pretty strong. When they give us a requirement it is not something to toy around with. The attitude that there would be basically no consequences for trying to circumvents the requirement is, I suspect, wishful thinking.

I would not attempt this unless I was absolutely sure the consequences would be minimal. Well actually I would not try it anyway, but my point is I wouldn't have such a cavalier attitude about it.

 

[confettiflyer]

Undergrad is not the same as pharmacy school though. I won't pretend that I know about other schools, but here professionalism is preached pretty strong. When they give us a requirement it is not something to toy around with. The attitude that there would be basically no consequences for trying to circumvents the requirement is, I suspect, wishful thinking.

I would not attempt this unless I was absolutely sure the consequences would be minimal. Well actually I would not try it anyway, but my point is I wouldn't have such a cavalier attitude about it.

I'd actually make the argument that it doesn't matter that it's pharm school vs. undergrad. University-wide policies are just that, university-wide. Doesn't matter if you're rad tech, nursing, or pharmacy...arts, economics, or engineering.

As for the cavalier attitude, I'm telling you how it is. Going 70mph in a 65 zone is technically illegal/immoral/"unsafe"/whatever...but people will do it so long as they don't see a cop around or anything.

As for being sure the consequences are minimal, the student manual/course catalog = your contract w/ the school. I hate when people make up rules or consequences that don't exist, I feel like it's the nature of pharmacy (see threads on CII regulations and people making **** up) to do so. At your school, it might be that the chances of getting caught are 100% and the consequences = expulsion (doubtful, but okay).

In any case, I think people are entitled to do what they want so long as they weigh the consequences of their own actions. You subverting someone who tells you to do something (this case, obtain insurance) just makes you a rational individual.

It's like paying a mortgage, it's technically a promise to pay, but if the financial benefit from not paying >>> financial benefit of paying (long term), you'd be a total sucker not to exercise that option in your contract. Same goes with school requirements. You have the option of not paying tuition, not buying mandatory insurance, not turning in required homework, not attending exams...just be sure you know what you're getting into.

Anyway, I think I'm rambling now

 

[owlegrad]

As for the cavalier attitude, I'm telling you how it is. Going 70mph in a 65 zone is technically illegal/immoral/"unsafe"/whatever...but people will do it so long as they don't see a cop around or anything.

It's not immoral to speed. There is no deception. You are simply breaking the law. If you report to your school that you have insurance when in fact you do not, that is lying.

 

[Sparda29]

This is correct. I'm a big fan of the "term life insurance only" argument, and only when you have dependents/a spouse. Everything else is a total rip off "whole life, etc..." and anyone who tells you otherwise is out for a commission.

Remember, debt extinguishes upon your death if there's no estate to go after, so no need to "leave money" to pay it off. Most of us are young with no real assets to pass along and a negative net worth. As you accumulate assets, start a business, have dependents, etc... insurance makes sense to keep from having to liquidate assets to pay creditors who have a claim on your estate. At that point, you'll probably want to look into setting up a revocable living trust to avoid probate.

but yeah no if you're 26, single, in a ton of debt, no assets...don't waste your money on life insurance. many work places will give you ~1x your salary as a death benefit for free or pennies, buy that in the meantime to pay for your funeral expenses.

Wait, so if someone dies, has $200K of student loan debt with their parents as the cosigner, the debt is extinguished?

 

[rph3664]

But I am against people that don't have health insurance and expect medicaid to pay for everything! that I hate. Either you pay by cash or you get insurance. Medicaid = free loading NOT GOOD! I would get rid of medicaid and all those other free loader insurance. Either you pay yourself or get private insurance should be the only options.

What do you think about Medicare?

BTW, most Medicaid dollars are spent on the elderly. Who do you think foots the bill for the majority of people in nursing homes? In addition, a sizable percentage of Medicaid recipients are disabled and/or children.

Your viewpoint on freeloaders is, however, spot on. There's a huge difference between someone who's working but not making much money, and someone who plain old expects society to foot the bill.

 

[All4MyDaughter]

Wait, so if someone dies, has $200K of student loan debt with their parents as the cosigner, the debt is extinguished?

No, in that case the cosigner would be liable for the debt.

 

[Sparda29]

No, in that case the cosigner would be liable for the debt.

So then life insurance would make sense.

 

[spacecowgirl]

No, in that case the cosigner would be liable for the debt.

Which is exactly why I have a policy with my parents as the beneficiaries for my private loans. It's only a 10 year term policy by the end of which I will (God willing) have paid those off.

 

[confettiflyer]

No, in that case the cosigner would be liable for the debt.

Incorrect, most student loans have specific clauses that extinguish the debt upon the death of the borrower. As usual, private loans often don't carry this clause, but some do.

"Death Discharge

Cancellation because of the borrower's death (or, in the case of PLUS Loans, the death of the student for whom the parent borrowed) is based on an original or certified copy of the death certificate submitted to the school (for a Federal Perkins Loan) or to the holder of the loan (for a FFEL or Direct Stafford Loan)."

Source: http://studentaid.ed.gov/PORTALSWebApp/students/english/discharges.jsp

"Death

In the event of the borrower's death, or on or after July 23, 1992 the death of the student for whom a parent received a PLUS loan, the obligation of the borrower and any endorser to make any further payments on the loan is discharged.

To verify a borrower's death, the servicing agency must have the original, certified copy, or clear, accurate, and complete photocopy of the original or certified death certificate. The U.S. Department of Education cannot accept a faxed copy."

Source: http://www2.ed.gov/offices/OSFAP/DCS/loan.cancellation.discharge.html

(better wording on the 2nd one)

 

[confettiflyer]

It's not immoral to speed. There is no deception. You are simply breaking the law. If you report to your school that you have insurance when in fact you do not, that is lying.

Interesting because that lying is technically not a criminal offense (it's civil, if anything... until you're under oath, then it becomes perjury), but speeding is a criminal act. So, by your logic, deception is worse than a criminal act?

Tsk tsk, I can't believe you'd advocate that lying about insurance is worse than murder!

Anyway, just jabbing your ribs here. I'm merely rehashing Plato's parable of the ring of Gyges. Funny how 2000+ years later the guy is relevant to a discussion on SDN.

 

[Tinkerbell22]

You can't bring your own to the table and waive out? Man, what a racket.

actually yeah we can. i have the insurance from the school SHC and i go to, but other people i know have their own insurance... you just have to show proof of coverage before you get the school fee waived.

we also don't have to pay 300 dollars before stuff is paid for. most common infections, respiratory issues, allergies, flu, etc is covered by the health clinic where we can be seen for free. they also provide common medications for pretty low cost as well. i actually went off campus without a referral because the school clinic was closed and the insurance company paid for my visit and i got free antibiotics from my job at Publix (free antibiotic program, not what it sounds like. lol)

 

[confettiflyer]

actually yeah we can. i have the insurance from the school SHC and i go to, but other people i know have their own insurance... you just have to show proof of coverage before you get the school fee waived.

we also don't have to pay 300 dollars before stuff is paid for. most common infections, respiratory issues, allergies, flu, etc is covered by the health clinic where we can be seen for free. they also provide common medications for pretty low cost as well. i actually went off campus without a referral because the school clinic was closed and the insurance company paid for my visit and i got free antibiotics from my job at Publix (free antibiotic program, not what it sounds like. lol)

ahhh Tinkerbell, haven't responded to you in a while.

I think the new healthcare act required insurance to provide preventive care for free, don't know when that's supposed to take effect, but I would think some insurance providers started retooling their plans ahead of the date.

On that note, you guys have cheap insurance. I would have had to pay at least double that in undergrad if I didn't waive out.

 

[Naidim]

Car insurance is needed b/c you could damage OTHER PEOPLE'S property and whenever that happens you need to pay up.

Health insurance you are only dealing with YOURSELF. Either you pay by cash or insurance is your business.

Car insurance or anything in which you are dealing with other people's property you need to be insured.

If you don't have insurance and go to the ER for any emergency they HAVE to treat you. They will bill you but if you don't pay the Hospital has to recoup their loss from all the other paying customers. According to my friend who works in the ER at Tucson Medical Center they only get paid by 18% of their patients, meaning that 18% has to pay enough to cover themselves and the other 82%.

 

[owlegrad]

If you don't have insurance and go to the ER for any emergency they HAVE to treat you. They will bill you but if you don't pay the Hospital has to recoup their loss from all the other paying customers. According to my friend who works in the ER at Tucson Medical Center they only get paid by 18% of their patients, meaning that 18% has to pay enough to cover themselves and the other 82%.

One of the many flaws of our system.

 

[Its Z]

If you don't have insurance and go to the ER for any emergency they HAVE to treat you. They will bill you but if you don't pay the Hospital has to recoup their loss from all the other paying customers. According to my friend who works in the ER at Tucson Medical Center they only get paid by 18% of their patients, meaning that 18% has to pay enough to cover themselves and the other 82%.

its little more complicated than that. i recently did a consult at a large medical center in tucson and their selfpay (no insurance) patient rate was around 15 - 20 percent.... which is considered quite high. and the rest of the patient population had 3rd party coverage: private insurance, medicare and medicaid albeit the reimbursement is fairly low. so i highly doubt uninsured rate in er exceeds 80 percent.