Insurance waiver

college_query
Mon, 16 Jul 2012 16:44:20 +0000

But our state doesn’t require/mandate that school districts offer health insurance to employees that includes prescription drug coverage.

Yes, so why should college students be required to purchase it?

Since the difference for the buy-up plan was well under $125 a month, it made more sense to increase my coverage for the entire family.

And that is very lucky for you. However our plan is purchased through a small group, and RX buy up coverage for me would be $4800. I already have great coverage, just no RX coverage. I shouldn’t be forced to pay it for my family, or for my college student, unless everyone has to.



We don’t currently have national mandates about health insurance - that’s what the whole HealthCare/Obamacare debate is about. So yes, the state I live in (which is not NJ or MA) DOESN’T require the neighboring school district to provide prescription benefits for its teachers. But that doesn’t mean the state of NJ doesn’t have the right to require students attending college full-time in their state to have prescription coverage.

My work-provided insurance plan DOES provide prescription coverage. In the same city and state, even though both of us are/were public employees, we have different employers, and the teacher doesn’t have prescription coverage in her insurance plan. Not fair that I have and and she doesn’t. Not fair that I have it and you don’t.

You don’t want to spend $4800 to add prescription coverage for your family so your child meets the requirement of NJ/Rutgers. So why don’t you spend $750 to meet the requirement instead by purchasing the offered plan for your student?

I’m sure there are people who have employer-provided insurance where they DON’T have to pay a huge premium each month, who have enough coverage that they meet the requirement of both NJ and MA for full-time college student coverage in their state without having to purchase more coverage. That’s not fair, either.

Why do you think it’s not fair unless EVERYONE has to do it?