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2005-08-23 1:25 PM

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Pro
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Pittsburgh, my heart is in Glasgow
Subject: dread/worry.
so my mom dropped a bomb on me the other day...she told me that the second my diploma touches my hand, I no longer have health care. I was under the impression that I had a 6 month grace period after graduation in which to find a job. Now if I were your average healthy person, this would be no big deal. But I have insulin-dependent diabetes, and one vial of insulin can cost 80 or more dollars. Consider that my script is for a 3 month supply of 8 vials and you're looking at substantial cost. And it's not just the insulin, it's the reservoirs and tubing too, which cost 60-70 dollars per box. Plus I'm on lipitor and vasotec for kidney problems. Plus I wont be able to visit my endocrinologist. So this means that unless I find a "real" job really quick after college, I'm going to have to get a regular wage job (or 3) and pay Cobra insurance, which will take about half of my paycheck. Or I need to get married before I graduate.

Now if i was in a more secure major than the one I'm in, i wouldn't worry. But now I swear I'm going to worry myself into a ditch because of this. I'm a journalism and art double major. I haven't been able to obtain an internship, which I need to have before I can graduate, yet there are none in columbus or in pittsburgh. I am afraid that I'm not going to graduate, despite having a 3.8 GPA, just because I can't find an internship.

arg.


2005-08-23 1:30 PM
in reply to: #231916

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Queen BTich
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Subject: RE: dread/worry.

Well, since you can't find an intership and maybe not a job, then stay in school! Simple.

Don't get married because you're graduating and its time to "grow up" and have a "real life" --belive me.

So, back to my original advice. Don't graduate. Pick up another degree, stay 5 more years! Actually another degree or minor might not take you very much longer and could help market yourself to a wider audience after graduation.



Edited by TriComet 2005-08-23 1:30 PM
2005-08-23 2:12 PM
in reply to: #231916

Regular
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2525
Milwaukee, WI
Subject: RE: dread/worry.
Hmmm...I always thought there was a grace period too. My brother and I had one....? I guess every state and every ins co is different. Makes me SO MAD that it's so hard to receive affordable health care...but that's another rant.

I know this is sooooo annyoing to hear, but I've always found it to be true in my life...that things happen at just the time you need them. Know what I mean?

Good luck! Let us know what happens! When are you set to graduate?
2005-08-23 2:24 PM
in reply to: #231916

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Regular
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Subject: RE: dread/worry.

I agree...stay in school. I was also dropped from my parents insurance when I got my degree, and I have a degree that is pretty useless to me. It's International Studies with a minor in African Studies.  I have looked for a job for more then 8 months and haven't found anything that pays me more then entrance level $8-9/hr, which is really frustrating. Sometimes universities also have insurance programs that you can extend or buy for a "grace" period after you graduate (you usually have to pay more then students though). My school offered three month grace period, but the company where I worked part-time while going to school decided to give me insurance so I'm stuck there. It's a miserable job and I wouldn't be there at all except that I need insurance.  Check with your school, and some other insurance companies. In your case, it sounds like insurance is a must.  If you don't want to keep going to school, check for jobs out of state if you can. I found a lot that I couldn't take because I am married now and my husband is going to medical school, and we'll go where he goes...good luck! Don't worry. Something will work out!



Edited by Nimefurahi 2005-08-23 2:26 PM
2005-08-23 2:26 PM
in reply to: #231916

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Master
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Ann Arbor, MI
Subject: RE: dread/worry.
Yeah you picked stinky majors to make a lot of money with BUT you followed your heart and that is so important. In the years to come you will be glad you did.

Can you take a "any ole job" while you search in your major?
2005-08-23 3:14 PM
in reply to: #231916

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St. Louis, MO
Subject: RE: dread/worry.

Did you mom confirm this with  your insurance company?  It could be different with various plans offered within the company, so it wouldn't hurt to double or triple check.

Not to add to dread and worry, but some employers (especially at wage jobs) will require a 30-90 day waiting period before you qualify for insurance.  They want to make sure you stick around and continue working.

Ideas- would your parents possibly help off-set the cost of Cobra if it comes to that? I would also get quotes from the bigger carriers in your area.  It might be cheaper to get insurance through them, grouped with a small business, before going with Cobra.

Seriously, don't get married just because your insurance is up. Even if you and BF are headed that direction, don't rush it because it might mess it up.

There are lots of options, so don't panic.  It really pisses me off tho that people (typically post-college 20 somethings) get lost in this insurance loop hole.  Best not even to get on that soap box.

-Sarah



Edited by slovegreen 2005-08-23 3:15 PM


2005-08-23 3:22 PM
in reply to: #231916

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Expert
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Nags Head,
Subject: RE: dread/worry.
Don't freak...If you can't go back and get another degree, or find some incredibly wealthy dude who just wants to pay for your ins. AND Tri gear, Then check this out....

What does COBRA do?

COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves. It is ordinarily less expensive, though, than individual health coverage.
What does COBRA do?


www.cobrainsurance.net

Edited by Tri-Pirate 2005-08-23 3:23 PM
2005-08-23 3:49 PM
in reply to: #231916

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Veteran
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Woodridge, IL (Chicago)
Subject: RE: dread/worry.
Check with your school. They usually offer cheap health insurance to recent graduates. Check with NASE as well. National Association of the Self Employed. www.NASE.org

Thats where I have my heath insurance and pay around $80 a month for individual heath care on a ppo.
2005-08-23 3:57 PM
in reply to: #231916

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Expert
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San mateo California
Subject: RE: dread/worry.
Graduate school.....  Schools usually offer assistantships (that is how I made it), with pretty nice health insurance packages  (my brain surgery was almost 350K and I paid $57.00) and living expenses money.   I definitly think that you should get  post baccalaurate education... It will give you an edge in the jobmarket.   

Talk to your advisor... and the admissions office of your school...  They will explain...

2005-08-23 4:57 PM
in reply to: #231916

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Science Nerd
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Redwood City, California
Subject: RE: dread/worry.
There are several insurance companies that provide health care for students in your situation. Look into them.

Check with your insurance company to make sure that it's actually the case. When I graduated, we found out that I was actually covered until I reached a certain age (24, I think) regardless of whether I was a student or not. This was great for me because I didn't have to worry about finding a job just to get insurance.
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