Quote:
Originally Posted by 33girl
Insurance plan costs have been going up and many people just can't afford it.
Also, when I went to PP, the insurance I was on would have covered it...but I really didn't want Mom33 and Dad33 to get the EOB in the mail.  |
Well yes and no. For those 26 and under they
can be covered on their parents insurance without being a full time student, so they could be a financial contributor to being covered on the policy of their parents if their employment doesn't offer insurance or it is very expensive. My employer made an unpopular move two or so years ago that requires all benefit eligible employees to either buy the employee plan or prove they have insurance elsewhere.There is some high deductible plan with an HSA, but that is pretty worthless for single people. I know some employees who are young, single, and healthy got an individual high deductible plan through Blue Cross since it was less than paying into the company plan.
As far as your concern/comment about your parents getting the EOB a lot of that has changed with privacy and confidentiality laws, including how an EOB is received. My employer uses Blue Cross and EOBs are almost always electronic, and for those over 18 they can be sent to the address of that covered individual or received online with an online log in not linked to their parents. Same situation for my doctor, which is the biggest practice in town and also is contracted for Student Health. People get their own log in for the practice and can get notices of test results and make appointments through the system privately.
Students are all required to have insurance by the University, and if they don't prove they have it it automatically goes on their account as a semester fee. If students utilize the Student Health Center they can easily keep things from their parents and can use the pharmacy, and it goes on their student account. Fortunately there are often samples at Student Health that come through there and the practice that manages it, so birth control isn't always a financial issue.