Insurance waiver

college_query
Mon, 16 Jul 2012 14:00:45 +0000

rualum, yes, anyone without prescription drug coverage can potentially have a huge expense. But our state doesn’t require/mandate that school districts offer health insurance to employees that includes prescription drug coverage.

If your plan doesn’t cover prescription drugs, and New Jersey requires full-time college students to have coverage that includes prescription drugs, then I would think you would be required to purchase coverage, since you wouldn’t qualify for the waiver.

Is it $750 for the entire year for the student plan? That would still be less expensive than $400 a month extra for family coverage.

In my case, I could purchase health insurance for my D through her school for $1500 for the year, or pay more for health insurance coverage at work to meet her school’s state’s minimum requirements (she’s in MA). 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.



Most 20 year olds are not going to be on extensive medication. I don’t want to pay another $750 a year so my son can have prescription coverage.



My supervisor’s step-daughter (the teacher with no prescription coverage) was only in her 20’s when she developed cancer. I agree it’s not likely a young person will need extensive medications, but unfortunately it can happen.