Health Insurance Post Graduation
Posted by Rebecca Brown
During the job hunt it is always nice to see in a posting that a company offers health benefits. Before now, I really never thought anything about it because I just assumed everyone offers health benefits and for so long I have been under my parent's work health benefits.
Someone recently said to me that I should find out how long I am still covered under my parents after graduation. I thought to myself, 'well, I'll just find a job that has benefits and that won't be an issue.' In this economy though, finding a job is difficult and finding a job with good benefits or any benefits at all could be even more difficult as well.
For seniors, or even juniors thinking about next year, you should find how long you will be covered under your parents' health insurance or how long the coverage from Simmons lasts post-graduation. I think each provider is different ranging from not covering you as soon as you graduate to 3-6 months after graduation. I'm sure by just going on the Web site or calling the provider you could find out quickly their policies post graduation.
It would be scary to find out you weren't covered if you ended up in the ER for even a minor issue. Better to find out sooner than later, I think!
Posted: March 17, 2009 5:22 pm | 4 comments
Tags: health, health insurance, plan, policy
Comments
My sister experienced that this past fall so now I know where to look when an employer doesn't offer benefits. Another benefit of being the youngest.
said Erica Ruane
I'm trying to figure this out right now. The first time we called my dad's insurance company they said they didn't know. I still haven't gotten an answer from them.
said Ashley Haight
I am a very healthy person (thankfully), but I found out three summers ago the value of health insurance. I joined a softball league for the first time ever and in our second game I got whacked in the face with a ball - spent hours in the ER, had blood drawn and a catscan. I was an emotional wreck as it was, the last thing I needed was worrying how much it would cost me. Rather than a few thousand dollars, all I paid was the ER co-pay. That one event was enough to convince me that the weekly sum taken out of my check is worth the peace of mind when something does happen.
said Love Nickerson
Healthcare coverage is a huge issue in the workplace (might even be a good topic for an op/ed later). Generally, your parents' provider's website has the answers. There is also, I believe, an age limit of 25 or so, but not sure. Just another thing to worry about in addition to finding a job. Has anyone had experience with the Mass health plan?
said Andrew Porter
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