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Medical Insurance for Graduate Student

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Replies to: Medical Insurance for Graduate Student

  • twoinanddonetwoinanddone Registered User Posts: 21,880 Senior Member
    It looked like on that chart the only difference for qualifying for Medicaid in Wisconsin is that the income limit is 100% of the FPL where in other states you still qualify at 138% of FPL.
  • compmomcompmom Registered User Posts: 10,621 Senior Member
    edited December 2017
    ForMedi-Cal I suggest using an enrollment office: there is a list on the site. Insurance offices and enrollment centers at community centers. In Massachusetts, you get coverage while your policy is pending but in California that doesn't seem to be true. The person at the enrollment center has been extremely helpful in keeping the ball rolling and informing my kid about exactly what documents are needed, I would go so far as to say the enrollment center has advocated for her. She does have significant medical conditions to they may be on her side more than with others, who knows.
  • artloversplusartloversplus Registered User Posts: 8,615 Senior Member
    edited December 2017
    @compmom

    Thanks for the tips. The only problem is that my D is not motivated to apply early. Even after we kept telling her it is not too late to apply for Medi-Cal in December to be effective in March. :-S She is bogged down with her medical rotations and don't have the time to bother with all the other stuff. I wonder if we can help to apply it for her.
  • compmomcompmom Registered User Posts: 10,621 Senior Member
    edited December 2017
    She can make you a designated representative. At least, in Massachusetts, that works. If you are in California you could then go to an enrollment office. Of course she could also do it online.

    If health insurance is not a priority for someone, from my point of view, they are fortunate!!!! But you never know what might happen. My kid got on Medicaid right after graduating because her father had had a stroke and we lost family insurance. A few weeks later she was hit by a car. The bill was almost $400k for surgery, ICU, rehab, and further brain procedures. Insurance paid it thank heavens.
  • thumper1thumper1 Registered User Posts: 76,106 Senior Member
    @artloversplus

    If your kiddo is a medical school student, she MUST find out if her medical school requires her to have health insurance to continue her rotations. If the answer is YES, she needs to get this situation resolved or she will have a LOT of free time on her hands.
  • artloversplusartloversplus Registered User Posts: 8,615 Senior Member
    edited December 2017
    @thumper1

    Yes, the school requires her to have insurance, right now she is under our insurance so there is a waiver with the school. As soon as our company insurance drops her in Mar. 2018, she is out of the waiver, thus this thread. Worse case scenario, she will get on to their SHIP(or student insurance), its about $5000/year. And the total for her will be about $6000 under the SHIP, as she is graduating in 2019, at that time she should be covered in her residency program.
  • thumper1thumper1 Registered User Posts: 76,106 Senior Member
    @artloversplus

    I WISH my kid’s professional School offered health insurance...they don’t. At least your kid has that option. TBH, I would go with that.
  • thumper1thumper1 Registered User Posts: 76,106 Senior Member
    Funny...I was looking g at old threads and thought I would update.

    DDs school added back a school based health insurance plan as of August 1. She signed up...immediately. It gets her out of the exchange.is there going to be a policy open enrollment “stuff”. She will continue this school based plan until she graduates from her program June 30, 2020.

    So glad the school reinstated school health insurance plan!

    @artloversplus what did you end up doing in March?
  • artloversplusartloversplus Registered User Posts: 8,615 Senior Member
    @thumper1

    Since she is an adult and has no income from any source, she is eligible Medical, free medical insurance for low income cal residents.
  • thumper1thumper1 Registered User Posts: 76,106 Senior Member
    @artloversplus that’s great!

    Unfortunately my kiddo attends school in a state that is not a Medicaid expansion state...so that option was not available to her.
  • compmomcompmom Registered User Posts: 10,621 Senior Member
    My daughter is having a lot of trouble with her Medi-cal insurance in terms of coverage They somehow failed to pay for some important life-sustaining supplies and now the manufacturer has blocked her account. Medi-Cal only covers 20% of the cost. We offered to pay that 20% while the insurance co. figures things out, but it is not legally allowed for the manufacturer to charge a Medicaid client. So she cannot get the supplies, and we can't pay for them.

    These are supplies COVERED by the plan but they are not paying. I have spent 5 hours a day for three days on this and am getting nowhere.

    We are considering dropping Medi-Cal so she can get her supplies. Seriously. It will cost us $3,000 but she NEEDS the supplies.

    Sorry this is a bit of a tangent but I have PTSD and this thread triggered me!!!!!!
  • thumper1thumper1 Registered User Posts: 76,106 Senior Member
    I hear you @compmom

    While Medicaid expansion would have been free for our kid....we were willing to pay the cost of this United HealthCare PPO which the school offered. It has a wide national network...and decent coverage...but yes...it’s several thousand dollars a year.

  • compmomcompmom Registered User Posts: 10,621 Senior Member
    Just to be clear, my kid HAS her grad school- provided insurance. The Medi-cal is secondary and only pays 20% remaining after her PPO pays 80%. She has type 1 diabetes and wears both a pump and a CGM and even with BC/BD's 80% coverage, ends up paying at least $3k for her diabetes supplies.

    Again, she has the insurance the school offers. It might be decent coverage for you but it isn't for a person with type 1. So she added Medi-cal (with a lot of effort) and now she would be better off without that because she CANNOT get any supplies right now due to bureaucracy.

    As a side note, if they ever get rid of protections for preexisting conditions, she's dead.
  • thumper1thumper1 Registered User Posts: 76,106 Senior Member
    @compmom

    Oh brother!
This discussion has been closed.